Card
Network

Mastercard®
Bank

Pinnacle Bank
Issuing
Country

United States
User
Category

Consumer
Card
Type

Secured
Credit
Recommended

Poor/Limited/No Credit
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

Up To 10% Cash Back on Purchases + 1% on Payments^^

CARD DETAILS

  • Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^
  • Apply with no impact to your credit!2
  • The first step to rebuilding your credit starts with just $200!1
  • All credit types welcome to apply!
  • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.1
  • 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.
  • 2We 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
+ Pros
  • Cash back rewards.
  • No minimum credit score required.
  • Monthly reporting to credit bureaus.
- Cons
  • Minimum security deposit is required.

REWARDS: Cash Back

Rewards Program
Up To 10% Cash Back on Purchases + 1% on Payments^^
Rewards Bonus
No Rewards Bonus
Redemption Options
See website for Details*

PURCHASES

Intro
APR

N/A
Ongoing
APR

17.49% (V)
Penalty
APR

See website for Details*
Minimum Grace
Period

25 days
Minimum Interest
Charge

$1.50

BALANCE TRANSFERS

Intro
APR

N/A
Ongoing
APR

N/A
Balance Transfer
Fee

N/A
Penalty
APR

N/A
Minimum Grace
Period

N/A

CASH ADVANCE

Intro
APR

N/A
Ongoing
APR

23.49% (V)
Cash Advance
Fee

$10 or 3% of each Cash Advance, whichever is greater
Penalty
APR

See website for Details*
Minimum Grace
Period

See website for Details*

GENERAL FEES

Application Processing
Fee

N/A
Annual
Fee

$39
Foreign Transaction
Fee

3% of the transaction amount
Late Payment
Fee

Up to $41
Have Questions?
ASK OUR EXPERT!
ASK YOUR QUESTION

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