Regular APR
13.49% (V)
Annual Fee
$49
Credit Line
$2,000
Credit Recommended
Poor/Limited/No Credit
Cash Advance APR
22.49% (V)
Rewards Rate
Up To 10% Cash Back on Purchases + 1% on Payments^^

Offer Overview

  • Turn Your Tax Refund into a Credit Building Opportunity in 2026!¹ Make Everyday Purchases = Get Rewarded. Make Payments = Get Rewarded.^^
  • Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^
  • Apply with no impact to your credit!*
  • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
  • All credit types welcome to apply!
  • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
  • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
  • *See Important Disclosures for complete offer details

At a Glance

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Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

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