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The First Progress Platinum Elite MasterCard® Secured Credit Card

Fair Credit
Bad Credit

No Credit History or Minimum Credit Score Required for Approval
Quick and Complete Online Application; No Credit Inquiry Required!
Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Build Credit Faster with 6 reporting cycles per month. (You will be assigned the fastest of 6 reporting cycles a month)
With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 - 10 days after the complete application is approved and the total refundable deposit received. Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.
24/7 Online Access to Your Account: Try our new Mobile App for Android users!
Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
Receive Your Card More Quickly with New Expedited Processing Option
Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
APR for purchases = 19.99%
Annual Fee = $29

Bad Credit
No Credit

APR for Purchases: 17.39% (variable)
No credit check necessary to apply. OpenSky® believes in giving an opportunity to everyone.
The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
Build credit quickly. OpenSky® reports to all 3 major credit bureaus.
99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
OpenSky® provides credit tips and a dedicated credit education page on our website to support you along the way.
*View our Cardholder Agreement located at the bottom of the application page for details of the card.

Fair Credit
Bad Credit
No Credit

Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month.
Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
Card issued by Merrick Bank, Member FDIC.
See all terms and conditions on our website.

Fair Credit
Bad Credit

No Credit History or Minimum Credit Score Required for Approval
Quick and Complete Online Application; No Credit Inquiry Required!
Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Build Credit Faster with 6 reporting cycles per month. (You will be assigned the fastest of 6 reporting cycles a month)
With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 - 10 days after the complete application is approved and the total refundable deposit received. Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.
24/7 Online Access to Your Account: Try our new Mobile App for Android users!
Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
Receive Your Card More Quickly with New Expedited Processing Option
Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
APR for purchases = 13.99%
Annual Fee = $39