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Secured Mastercard with no credit check and straightforward approval. Choose your deposit ($200-$2,000). Reports to all 3 bureaus. Three card tiers with annual fees from $29-$49. Issued by Synovus Bank.
Data compiled from public sources
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First Progress offers three secured Mastercard credit cards designed for consumers with damaged or no credit history. All three cards require eligibility claim to verify for approval — decisions are based on your ability to make the security deposit and your identity verification, not your credit score.
The three tiers are: Platinum Prestige ($49/year, lowest APR), Platinum Select ($39/year), and Platinum Elite ($29/year, highest APR). All three cards have identical features except for the APR and annual fee trade-off. The Platinum Elite is the profile to compare for consumers who plan to pay their balance in full each month since the APR doesn't matter.
All First Progress cards report to all three major credit bureaus (Experian, Equifax, TransUnion) monthly. The minimum security deposit is $200 and the maximum is $2,000, which becomes your credit limit.
First Progress is issued by Synovus Bank, an FDIC-insured bank headquartered in Columbus, Georgia. Synovus has $60+ billion in assets, making it a substantial regional bank.
The card is a Mastercard, accepted worldwide. There are no rewards, cash back, or special perks — this is purely a credit-building product. Online account management is available through the First Progress website.
First Progress is a good choice for consumers who have been denied by Discover or Capital One due to poor credit history and want a no-credit-check alternative. It is less feature-rich than OpenSky (which also requires eligibility claim to verify but offers more technology features) and lacks the rewards of Discover it Secured.
Secured credit cards are one of several tools in the credit-building toolkit. Consumers may also consider credit builder loans, which report positive payment history to all three bureaus while building savings, or rent reporting services that add on-time rent payments to credit reports. For those dealing with existing negative items, credit repair services can help dispute inaccuracies that drag down scores. Credit monitoring helps track progress over time, and personal loans for bad credit become accessible as scores improve. Many credit rebuilders find that combining a secured card with other strategies — monitoring, disputes, and responsible borrowing — produces faster results. A small installment loan with on-time payments reported to all three bureaus is one of the most effective ways to build a credit history from scratch.
Review secured card profiles by fees, eligibility fields, bureau reporting, and graduation-policy context.
This is state-level context for Credit Building consumers in Columbus, GA. It does not confirm that First Progress Platinum Elite Mastercard Secured or this specific location is licensed.
State regulator
Georgia Department of Banking and Finance
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
First Progress Platinum Elite Mastercard Secured offers 5 services including Secured Mastercard credit card, Monthly reporting to Experian, Equifax, and TransUnion, Online account management portal, Three tier options (Elite $29, Select $39, Prestige $49), Security deposit range $200-$2,000.
First Progress Platinum Elite Mastercard Secured has profile signals associated with Consumers who need advertised approval claims without any credit check, People rebuilding credit after bankruptcy who were denied by Discover and Capital One, Anyone who wants a simple, no-frills credit-building tool, Consumers who prefer to pay in full monthly and want the lowest annual fee ($29).
Key strengths: eligibility claim to verify — approval based on deposit and identity only; Reports to all 3 major credit bureaus monthly; Three tier options let you choose your fee/APR trade-off. Areas to consider: Annual fee on all tiers ($29-$49) — no free option; No rewards, cash back, or points.
In the Credit Building category, comparable providers include Capital One Platinum Secured Credit Card, Discover it Secured Credit Card, OpenSky Secured Visa Credit Card. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
First Progress Platinum Elite Mastercard Secured operates nationwide across all 50 states.
First Progress Platinum Elite Mastercard Secured holds a A+ rating with the Better Business Bureau and is BBB-accredited.
CreditDoc Profile Note
A straightforward no-credit-check secured card for consumers who have been denied elsewhere. Less feature-rich than OpenSky or Discover but gets the basic job done: reports to all 3 bureaus, builds credit history. The $29-$49 annual fee and lack of rewards make it a Plan B, not a first choice.
Secured card from a major bank with no annual fee, automatic credit line reviews, and potential for higher credit line than your deposit. Reports to all 3 bureaus. Possible approval with deposit as low as $49.
Profile signals: Consumers who want a secured card from a major national bank, People who may qualify for a credit limit above their deposit
Secured credit card with 2% cash back at gas stations and restaurants (up to $1,000/quarter) and 1% on everything else. No annual fee. Reports to all 3 bureaus. Automatic graduation review at 8 months.
Profile signals: Consumers with fair credit (550-650) who want to rebuild while earning rewards, People who want a secured card that will automatically upgrade to unsecured
Secured Visa credit card with eligibility claim to verify and 87% approval rate. No bank account required. Reports to all 3 bureaus. Issued by Capital Bank, N.A. (FDIC insured).
Profile signals: People with no credit history who need to build credit from scratch, Consumers rebuilding credit after bankruptcy, collections, or charge-offs
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The variety of credit accounts you have — credit cards (revolving), auto loans (installment), mortgage, student loans, etc. Having multiple types shows you can manage different kinds of debt.
Credit mix accounts for about 10% of your FICO score. Having only credit cards isn't as strong as having a card, an installment loan, and a mortgage.
Example
Borrower A has 3 credit cards. Borrower B has 2 credit cards, a car loan, and a student loan. Even with the same payment history and utilization, Borrower B may be scored differently.
A 3-digit number (300-850) that summarizes how reliably you've handled borrowed money. Higher scores can affect lender risk assessment and the terms shown to you.
Your credit score is one factor lenders may use when reviewing eligibility and pricing. Score differences can materially affect total interest over a loan term.
Example
On a $250,000 30-year mortgage: different score ranges may be associated with different rates, monthly payments, and total interest.
The percentage of your available credit that you're currently using. If you have $10,000 in credit limits and owe $3,000, your utilization is 30%.
Utilization is the second-biggest factor in your credit score (after payment history). Lower utilization can support credit-score context; very low utilization is often viewed more favorably.
Example
You have 3 cards with a $15,000 total limit. You're carrying $4,500 in balances (30% utilization). Paying down to $1,500 (10% utilization) could change your score context.
The maximum amount a credit card company allows you to borrow on a single card. Going over this limit can trigger fees and hurt your credit score.
Your credit limit directly affects your utilization ratio. A higher limit with the same spending means lower utilization and a better score. You can request limit increases.
Example
Card A: $3,000 limit, you spend $1,500 = 50% utilization (bad). Card B: $10,000 limit, you spend $1,500 = 15% utilization (good). Same spending, different impact on your score.
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