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credit.","canonical":"https://web.archive.org/web/20240515050450/https://apnews.com/buyline-personal-finance/article/first-progress-platinum-elite-mastercard-secured-credit-card-review","image":"https://web.archive.org/web/20240515050450/https://apnews.com/buyline-personal-finance/static/9c1363dc1c004d803b1efde60b0610ba/38bbb/young-couple-bad-credit-dreamers.jpg","createdAt":"2024-01-25T19:13:57.879Z","publishedAt":null,"updatedAt":"2024-04-18T15:43:48.396Z","section":"buyline-personal-finance","author":"Eric Rosenberg","category":"Credit Cards"})</script><script data-rh="true" type="application/ld+json">{ "@context": "https://web.archive.org/web/20240515050450/https://schema.org", "@type": "NewsArticle", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://web.archive.org/web/20240515050450/https://apnews.com/buyline-personal-finance/article/first-progress-platinum-elite-mastercard-secured-credit-card-review" }, "headline": "First Progress Platinum Select Mastercard® Secured 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class="article-details___StyledDiv3-sc-1otghcc-3 gyuzgh"><div class="author author__AuthorBlock-sc-1p9suag-0 article-details__AuthorBlock-sc-1otghcc-0 bSucnc jPblJq"><div class="name"><span role="link" tabindex="0"><span class="label-prefix">by<!-- --> </span><a href="/web/20240515050450/https://apnews.com/buyline-personal-finance/author/eric-rosenberg">Eric Rosenberg</a></span></div></div><div class="display-date___StyledDiv-sc-1ufxsv-0 jjMquF article-details___StyledDisplayDate-sc-1otghcc-4 cypFgo display-date"><span><span class="label-prefix">Updated<!-- --> </span><span>April 18, 2024</span></span></div></div></div><div></div></div><div class="mdx-styled-renderer___StyledDiv-sc-3kubr4-0 jZJta-d"><h2 id="in-a-nutshell">In a nutshell</h2><p>The <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><a class="sh-quidget-markup" data-rate-name="First Progress Platinum Elite Mastercard(R) Secured Credit Card" data-content="{*credit_card_id*:*1980151*,*field*:*LinkTagPDPUrl*,*api*:*cc*,*linkText*:*card_name*,*linkTarget*:*_blank*,*linkRel*:*sponsored*}" target="_blank" rel="nofollow">card_name</a></span> is a credit-building card for applicants with <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><span class="sh-quidget-markup" data-rate-name="First Progress Platinum Elite Mastercard(R) Secured Credit Card" data-content="{*credit_card_id*:*1980151*,*field*:*credit_score_needed*,*api*:*cc*}">credit_score_needed</span></span>. </p><ul><li>The simple card features credit lines of $200 to $2,000 and a <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><span class="sh-quidget-markup" data-rate-name="First Progress Platinum Elite Mastercard(R) Secured Credit Card" data-content="{*credit_card_id*:*1980151*,*field*:*annual_fees*,*api*:*cc*}">annual_fees</span></span> annual fee. </li><li>As with other secured cards, you must put down a security deposit equal to your credit line.</li><li>Using the card as agreed should put you on track for improved credit over time.</li></ul><div class="wrapper___StyledDiv-sc-r07dm9-0 fZhXtV"><div class="card__Wrapper-sc-1ot7p5b-0 bwvksj card__StyledProductCardDefaultUI-sc-nymg8v-0 fgwLQv"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="card___StyledDiv-sc-1ot7p5b-2 gFIvOp product-image"><span class="quidget__Container-sc-1i4ka6a-0 bIxih"><a class="sh-quidget-markup" data-rate-name="First Progress Platinum Elite Mastercard(R) Secured Credit Card" data-content="{*credit_card_id*:*1980151*,*field*:*LogoImageLiteDetailUrl*,*api*:*cc*}" rel="nofollow" target="_blank"><img alt="card_name" height="112" width="175"/></a></span></div><h3 class="product-title">First Progress Platinum Elite Mastercard® Secured Credit Card</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 eqCaIE MuiButton-containedSizeSmall MuiButton-sizeSmall" tabindex="0" role="button" aria-disabled="false" target="_blank" rel="nofollow" href="javascript: void(0);"><span class="MuiButton-label">Learn More</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">First Progress Platinum Elite Mastercard® Secured Credit Card</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU credit-score-needed field"><div class="title">Credit score</div><div class="value"><span class="quidget__Container-sc-1i4ka6a-0 bIxih"><span class="sh-quidget-markup" data-rate-name="First Progress Platinum Elite Mastercard(R) Secured Credit Card" data-content="{*credit_card_id*:*1980151*,*field*:*credit_score_needed*,*api*:*cc*}">credit_score_needed</span></span></div></div><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU annual-fees field"><div class="title">Annual fees</div><div class="value"><span class="quidget__Container-sc-1i4ka6a-0 bIxih"><span class="sh-quidget-markup" data-rate-name="First Progress Platinum Elite Mastercard(R) Secured Credit Card" data-content="{*credit_card_id*:*1980151*,*field*:*annual_fees*,*api*:*cc*}">annual_fees</span></span></div></div></div></div></div></div><div class="section-3"></div></div></div><div class="multi-list__StyledMultiList-sc-1ixx0ao-0 irEqDg multi-list pros-and-cons multi-list__StyledMultiList-sc-1h4kwhb-0 gTNqpU"><div class="list"><h4 class="title">Pros:</h4><div class="content"><ul><li>No credit score requirements.</li><li>Choose your credit limit.</li><li>Reports to the three major credit bureaus.</li></ul></div></div><div class="list"><h4 class="title">Cons:</h4><div class="content"><ul><li><span class="quidget__Container-sc-1i4ka6a-0 bIxih"><span class="sh-quidget-markup" data-rate-name="First Progress Platinum Elite Mastercard(R) Secured Credit Card" data-content="{*credit_card_id*:*1980151*,*field*:*annual_fees*,*api*:*cc*}">annual_fees</span></span> annual fee.</li><li>No cash back rewards.</li><li>No significant purchase or travel protection benefits.</li></ul></div></div></div><h2 id="who-is-the-card-for">Who is the card for?</h2><p>The <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><a class="sh-quidget-markup" data-rate-name="First Progress Platinum Elite Mastercard(R) Secured Credit Card" data-content="{*credit_card_id*:*1980151*,*field*:*LinkTagPDPUrl*,*api*:*cc*,*linkText*:*card_name*,*linkTarget*:*_blank*,*linkRel*:*sponsored*}" target="_blank" rel="nofollow">card_name</a></span> is for borrowers with <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><span class="sh-quidget-markup" data-rate-name="First Progress Platinum Elite Mastercard(R) Secured Credit Card" data-content="{*credit_card_id*:*1980151*,*field*:*credit_score_needed*,*api*:*cc*}">credit_score_needed</span></span> looking to <a target="_self" rel="alternate" href="/web/20240515050450/https://apnews.com/buyline-personal-finance/article/how-to-build-credit">build a positive credit history</a>. If you’re new to credit or have a series of mistakes in the past, you can still get the <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><span class="sh-quidget-markup" data-rate-name="First Progress Platinum Elite Mastercard(R) Secured Credit Card" data-content="{*credit_card_id*:*1980151*,*field*:*card_name*,*api*:*cc*}">card_name</span></span>.</p><p>If you have <a target="_self" rel="alternate" href="/web/20240515050450/https://apnews.com/buyline-personal-finance/article/what-is-a-good-credit-score">good credit</a> or better, this card isn’t an ideal fit, as there’s a <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><span class="sh-quidget-markup" data-rate-name="First Progress Platinum Elite Mastercard(R) Secured Credit Card" data-content="{*credit_card_id*:*1980151*,*field*:*annual_fees*,*api*:*cc*}">annual_fees</span></span> annual fee and no rewards. But the <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><span class="sh-quidget-markup" data-rate-name="First Progress Platinum Elite Mastercard(R) Secured Credit Card" data-content="{*credit_card_id*:*1980151*,*field*:*card_name*,*api*:*cc*}">card_name</span></span> may be worth considering for anyone with a negative credit history.</p><h2 id="card-perks-and-benefits">Card perks and benefits</h2><p>This secured credit card offers two main perks to help you build credit as quickly as possible.</p><p>First, you can choose your credit limit when applying for the card. Credit limits are available from $200 to $2,000, equal to your security deposit. A higher credit limit is better when building credit, and keeping your balance low compared to your credit limit is a significant factor in your credit score.</p><p>Remember that if you don’t pay the card as agreed, <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><a class="sh-quidget-markup" data-rate-name="First Progress Platinum Elite Mastercard(R) Secured Credit Card" data-content="{*credit_card_id*:*1980151*,*field*:*LinkTagPDPUrl*,*api*:*cc*,*linkText*:*card_name*,*linkTarget*:*_blank*,*linkRel*:*sponsored*}" target="_blank" rel="nofollow">card_name</a></span> can take your deposit to pay down your balance. But if you keep the account in good standing, the deposit is fully refundable.</p><p>The second major benefit is that First Progress reports your account activity to all three major credit bureaus: Experian, TransUnion and Equifax. Because lenders use different credit report sources, building your credit history with all three sets you up for a better credit score in the future wherever you apply. Always pay at least the minimum balance by the due date and keep your balance low to build your credit score.</p><h2 id="rewards-and-bonuses">Rewards and bonuses</h2><p>This credit card doesn’t offer any cash back, travel rewards or other bonuses. Because it has a <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><span class="sh-quidget-markup" data-rate-name="First Progress Platinum Elite Mastercard(R) Secured Credit Card" data-content="{*credit_card_id*:*1980151*,*field*:*annual_fees*,*api*:*cc*}">annual_fees</span></span> annual fee and requires a deposit, it’s not ideal for long-term use.</p><h2 id="how-to-get-the-most-out-of-the-card">How to get the most out of the card</h2><p>Like many secured credit cards, it’s best to use this card to get your credit into a better position to get superior credit accounts in the future. If you have this card long enough to get a credit score that qualifies you for a credit card with no annual fee, you’re better off upgrading and moving on.</p><p>The best rewards cards and no annual fee cards are typically reserved for applicants with good to excellent credit scores. This card is a stepping stone to get you on track for better credit cards and better terms with other borrowing accounts.</p><h2 id="alternatives">Alternatives</h2><p>If you’re not a fan of this card, you may want one of these <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><a class="sh-quidget-markup" data-rate-name="First Progress Platinum Elite Mastercard(R) Secured Credit Card" data-content="{*credit_card_id*:*1980151*,*field*:*LinkTagPDPUrl*,*api*:*cc*,*linkText*:*card_name*,*linkTarget*:*_blank*,*linkRel*:*sponsored*}" target="_blank" rel="nofollow">card_name</a></span> alternatives.</p><h3><span class="quidget__Container-sc-1i4ka6a-0 bIxih"><span class="sh-quidget-markup" data-rate-name="Chime(R) Credit Builder Secured Credit Builder Visa(R) Card" data-content="{*credit_card_id*:*4048273*,*field*:*card_name*,*api*:*cc*}">card_name</span></span></h3><div class="wrapper___StyledDiv-sc-r07dm9-0 fZhXtV"><div class="card__Wrapper-sc-1ot7p5b-0 bwvksj card__StyledProductCardDefaultUI-sc-nymg8v-0 fgwLQv"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="card___StyledDiv-sc-1ot7p5b-2 gFIvOp product-image"><span class="quidget__Container-sc-1i4ka6a-0 bIxih"><a class="sh-quidget-markup" data-rate-name="Chime(R) Credit Builder Secured Credit Builder Visa(R) Card" data-content="{*credit_card_id*:*4048273*,*field*:*LogoImageLiteDetailUrl*,*api*:*cc*}" rel="nofollow" target="_blank"><img alt="card_name" height="112" width="175"/></a></span></div><h3 class="product-title">Chime Credit Builder Visa® Credit Card</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 eqCaIE MuiButton-containedSizeSmall MuiButton-sizeSmall" tabindex="0" role="button" aria-disabled="false" target="_blank" rel="nofollow" href="https://web.archive.org/web/20240515050450/https://secure.money.com/pr/x862a0945b85?s1=APNEWS"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Chime Credit Builder Visa® Credit Card</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU credit-score-needed field"><div class="title">Credit score</div><div class="value"><span class="quidget__Container-sc-1i4ka6a-0 bIxih"><span class="sh-quidget-markup" data-rate-name="Chime(R) Credit Builder Secured Credit Builder Visa(R) Card" data-content="{*credit_card_id*:*4048273*,*field*:*credit_score_needed*,*api*:*cc*}">credit_score_needed</span></span></div></div><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU annual-fees field"><div class="title">Annual fees</div><div class="value"><span class="quidget__Container-sc-1i4ka6a-0 bIxih"><span class="sh-quidget-markup" data-rate-name="Chime(R) Credit Builder Secured Credit Builder Visa(R) Card" data-content="{*credit_card_id*:*4048273*,*field*:*annual_fees*,*api*:*cc*}">annual_fees</span></span></div></div></div></div></div></div><div class="section-3"></div></div></div><p>The <!-- -->[Chime(R) Credit Builder Secured Credit Builder Visa(R) Card](https://secure.money.com/pr/x862a0945b85)<!-- --> is a unique credit card tied to a Chime bank account. There are no annual fees or interest charges. Chime is a neobank, which means it doesn’t have physical locations, but if you like life online, it could be a good solution for you.</p><h3>U.S. Bank Cash+ Visa Secured Card</h3><div class="wrapper___StyledDiv-sc-r07dm9-0 fZhXtV"><div class="card__Wrapper-sc-1ot7p5b-0 bwvksj card__StyledProductCardDefaultUI-sc-nymg8v-0 fgwLQv"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="card___StyledDiv-sc-1ot7p5b-2 gFIvOp product-image"><span class="gatsby-resp-image-wrapper" style="position:relative;display:block;margin-left:auto;margin-right:auto;max-width:609px"> <span class="gatsby-resp-image-background-image" style="padding-bottom:62.939297124600635%;position:relative;bottom:0;left:0;background-image:url('data:image/png;base64,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');background-size:cover;display:block"></span> <picture> <source srcset="/web/20240515050450im_/https://apnews.com/buyline-personal-finance/static/7d3caabbfc08e48926424678fded8345/2a8c3/us-bank-cash-plus-secured.webp 313w, /web/20240515050450im_/https://apnews.com/buyline-personal-finance/static/7d3caabbfc08e48926424678fded8345/4f6f5/us-bank-cash-plus-secured.webp 609w" sizes="(max-width: 609px) 100vw, 609px" type="image/webp"/> <source srcset="/web/20240515050450im_/https://apnews.com/buyline-personal-finance/static/7d3caabbfc08e48926424678fded8345/7e87c/us-bank-cash-plus-secured.png 313w, /web/20240515050450im_/https://apnews.com/buyline-personal-finance/static/7d3caabbfc08e48926424678fded8345/b7bac/us-bank-cash-plus-secured.png 609w" sizes="(max-width: 609px) 100vw, 609px" type="image/png"/> <img class="gatsby-resp-image-image" src="/web/20240515050450im_/https://apnews.com/buyline-personal-finance/static/7d3caabbfc08e48926424678fded8345/b7bac/us-bank-cash-plus-secured.png" alt="us bank cash plus secured" title="us bank cash plus secured" loading="lazy" decoding="async" style="width:100%;height:100%;margin:0;vertical-align:middle;position:absolute;top:0;left:0"/> </picture> </span></div><h3 class="product-title">U.S. Bank Cash+® Secured Visa® Card</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 eqCaIE MuiButton-containedSizeSmall MuiButton-sizeSmall" tabindex="0" role="button" aria-disabled="false" target="_blank" rel="nofollow" href="javascript: void(0);"><span class="MuiButton-label">Learn More</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">U.S. Bank Cash+® Secured Visa® Card</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU credit-score-needed field"><div class="title">Credit score</div><div class="value">Bad/Poor</div></div><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU annual-fees field"><div class="title">Annual fees</div><div class="value">$0</div></div></div></div></div></div><div class="section-3"></div></div></div><p>The <!-- -->U.S. Bank Cash+® Visa® Secured Card<!-- --> is a cash back credit card offering up to 5% cash back on purchases you already make. There’s <!-- -->$0<!-- --> annual fee, and credit lines range from $300 to $5,000. That as much or more cash back as you will find on a non-secured credit card.</p><h3><span class="quidget__Container-sc-1i4ka6a-0 bIxih"><span class="sh-quidget-markup" data-rate-name="Chase Freedom Unlimited(R)" data-content="{*credit_card_id*:*3006090*,*field*:*card_name*,*api*:*cc*}">card_name</span></span></h3><div class="wrapper___StyledDiv-sc-r07dm9-0 fZhXtV"><div class="card__Wrapper-sc-1ot7p5b-0 bwvksj card__StyledProductCardDefaultUI-sc-nymg8v-0 fgwLQv"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="card___StyledDiv-sc-1ot7p5b-2 gFIvOp product-image"><span class="quidget__Container-sc-1i4ka6a-0 bIxih"><a class="sh-quidget-markup" data-rate-name="Chase Freedom Unlimited(R)" data-content="{*credit_card_id*:*3006090*,*field*:*LogoImageLiteDetailUrl*,*api*:*cc*}" rel="nofollow" target="_blank"><img alt="card_name" height="112" width="175"/></a></span></div><h3 class="product-title">Chase Freedom Unlimited®</h3></div><div class="button-container"><a class="affiliate-link-link product-button__StyledCTA-sc-12r0m5o-0 hsCHKH" target="_blank" rel="nofollow" href="javascript: void(0);">Learn More</a></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Chase Freedom Unlimited®</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU credit-score-needed field"><div class="title">Credit score</div><div class="value"><span class="quidget__Container-sc-1i4ka6a-0 bIxih"><span class="sh-quidget-markup" data-rate-name="Chase Freedom Unlimited(R)" data-content="{*credit_card_id*:*3006090*,*field*:*credit_score_needed*,*api*:*cc*}">credit_score_needed</span></span></div></div><div class="field__StyledField-sc-70i2am-0 ktHbhJ card__Field-sc-1ot7p5b-1 ihlNCU annual-fees field"><div class="title">Annual fees</div><div class="value"><span class="quidget__Container-sc-1i4ka6a-0 bIxih"><span class="sh-quidget-markup" data-rate-name="Chase Freedom Unlimited(R)" data-content="{*credit_card_id*:*3006090*,*field*:*annual_fees*,*api*:*cc*}">annual_fees</span></span></div></div></div></div></div></div><div class="section-3"><div class="MuiPaper-root MuiAccordion-root accordion__AccordionWrapper-sc-z1an4d-0 bCHlxp accordion-wrapper MuiAccordion-rounded MuiPaper-elevation1 MuiPaper-rounded"><div class="MuiButtonBase-root MuiAccordionSummary-root accordion-summary" tabindex="0" role="button" aria-disabled="false" aria-expanded="false"><div class="MuiAccordionSummary-content"><h3 class="accordion-title">Why we like it</h3></div><div class="MuiButtonBase-root MuiIconButton-root MuiAccordionSummary-expandIcon MuiIconButton-edgeEnd" aria-disabled="false" aria-hidden="true"><span class="MuiIconButton-label"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewbox="0 0 448 512" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z"></path></svg></span></div></div><div class="MuiCollapse-root MuiCollapse-hidden" style="min-height:0px"><div class="MuiCollapse-wrapper"><div class="MuiCollapse-wrapperInner"><div role="region"><div class="MuiAccordionDetails-root accordion___StyledAccordionDetails-sc-z1an4d-1 caWSLJ accordion-details">The no annual fee <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><span class="sh-quidget-markup" data-rate-name="Chase Freedom Unlimited(R)" data-content="{*credit_card_id*:*3006090*,*field*:*card_name*,*api*:*cc*}">card_name</span></span> earns between 1.5% and 5% cash back on all purchases, making it a perfect option for those that don’t want to juggle multiple rewards credit cards. It also offers a generous 0% intro APR window on purchases and balance transfers.<p>A high return rate on everyday purchases is great, but this card ups the ante in a big way: You can turn the cash back you earn into airline miles and hotel points for nearly free travel — skyrocketing the potential value of your rewards. You’ll need to hold an annual fee-incurring Chase Ultimate Rewards card, like the Chase Sapphire Preferred® Card, to do it; but it’s a nice redemption option to have if travel is a goal of yours.nual fee.</p></div></div></div></div></div></div></div></div></div><p>If you have better credit, the <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><a class="sh-quidget-markup" data-rate-name="Chase Freedom Unlimited(R)" data-content="{*credit_card_id*:*3006090*,*field*:*LinkTagPDPUrl*,*api*:*cc*,*linkText*:*card_name*,*linkTarget*:*_blank*,*linkRel*:*sponsored*}" target="_blank" rel="nofollow">card_name</a></span> is an excellent cash back rewards card with <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><span class="sh-quidget-markup" data-rate-name="Chase Freedom Unlimited(R)" data-content="{*credit_card_id*:*3006090*,*field*:*annual_fees*,*api*:*cc*}">annual_fees</span></span> annual fee. One thing to note: if you have opened five or more new credit cards in the last two years, you probably won’t be approved for this card.</p><h2 id="the-ap-buyline-roundup-a-basic-credit-builder-card">The AP Buyline roundup: A basic credit builder card</h2><p>Due to its annual fee and lack of rewards, the <span class="quidget__Container-sc-1i4ka6a-0 bIxih"><a class="sh-quidget-markup" data-rate-name="First Progress Platinum Elite Mastercard(R) Secured Credit Card" data-content="{*credit_card_id*:*1980151*,*field*:*LinkTagPDPUrl*,*api*:*cc*,*linkText*:*card_name*,*linkTarget*:*_blank*,*linkRel*:*sponsored*}" target="_blank" rel="nofollow">card_name</a></span> isn’t the best secured credit card. You can find an alternative with no annual fee and modest cash back rewards. But if you like what this card offers, it’s a reasonable choice to build or rebuild your credit.</p><div class="MuiPaper-root text-block__Paper-sc-lt00f8-0 cExWZy text-block__TextBlock-sc-12no6m0-0 cDHFbx MuiPaper-elevation0 MuiPaper-rounded"><div class="mdx-styled-renderer___StyledDiv-sc-3kubr4-0 jZJta-d"><h6><sup>AP Buyline has partnered with CardRatings for our coverage of credit card products. AP Buyline and CardRatings may receive a commission from card issuers.</sup></h6></div></div></div><div class="mdx-styled-renderer___StyledDiv-sc-3kubr4-0 jZJta-d"><div class="MuiPaper-root text-block__Paper-sc-lt00f8-0 fmvTfJ text-block__TextBlock-sc-12no6m0-0 jcypzb MuiPaper-elevation0 MuiPaper-rounded"><div class="mdx-styled-renderer___StyledDiv-sc-3kubr4-0 jZJta-d"><p>AP Buyline’s content is created independently of The Associated Press newsroom. Our evaluations and opinions are not influenced by our advertising relationships, but we might earn commissions from our partners’ links in this content. Learn more about our policies and terms <a title="About AP Buyline" target="_self" rel="alternate" href="/web/20240515050450/https://apnews.com/buyline-personal-finance/about-us">here</a>.</p></div></div></div><div class="container___StyledDiv-sc-116bxdo-0 lfERGr"><div id="below-article-thumbnails"></div></div></div></main><aside class="default-layout__ASide-sc-whua08-0 QkLmA side"><div class="side___StyledDiv-sc-18lepe5-3 dkjpjF side__Side-sc-180ulng-0 hRHybn"><div class="side__Sticky-sc-18lepe5-1 imIZxk sticky-container"><div class="side___StyledTableOfContentsWithSep-sc-18lepe5-2 ja-DJYa"><hr class="article-utils__ArticleSeparator-sc-1qh72cb-0 gabZyd"/><div class="MuiPaper-root root table-of-contents__TableOfContents-sc-hbi86g-0 side__TableOfContents-sc-18lepe5-0 ccLTib cnTkgX MuiPaper-elevation0 MuiPaper-rounded"><h3 class="heading">Table Of Contents</h3><ul class="list"><li class="item"><a href="#" class="link top-item active">First Progress Platinum Select Mastercard® Secured Credit Card review 2024</a></li><li class="item"><a href="#in-a-nutshell" class="link">In a nutshell</a></li><li class="item"><a href="#who-is-the-card-for" class="link">Who is the card for?</a></li><li class="item"><a href="#card-perks-and-benefits" class="link">Card perks and benefits</a></li><li class="item"><a href="#rewards-and-bonuses" class="link">Rewards and bonuses</a></li><li class="item"><a href="#how-to-get-the-most-out-of-the-card" class="link">How to get the most out of the card</a></li><li class="item"><a href="#alternatives" class="link">Alternatives</a></li><li class="item"><a href="#the-ap-buyline-roundup-a-basic-credit-builder-card" class="link">The AP Buyline roundup: A basic credit builder card</a></li></ul></div></div><hr class="article-utils__ArticleSeparator-sc-1qh72cb-0 dWICXx"/><div class="MuiPaper-root ArticleRelatedArticlesBlock___StyledPaper-sc-wwg80-1 hkCOCB MuiPaper-elevation0 MuiPaper-rounded"><div class="root 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