* For complete information, see the terms and conditions on the credit issuer or provider’s website.
Once you
click “Apply Now”, you will be directed to the issuer or provider’s website where you may review the
terms and
conditions before applying. While Credit.com always strives to present the most accurate
information, we show
a summary to help you choose a product, not the full legal terms - and before applying you should
understand
the full terms of products as stated by the issuer or provider itself. The offers are provided by
third-parties from whom Credit.com receives compensation. Credit.com will not call you about any
credit
application resulting from the above offers, and will not ask you over the phone, via email or
otherwise for
financial information or other sensitive personal data.
** FICO scores and credit scores
are used
to represent the creditworthiness of a person and may be one indicator to the credit type you are
eligible
for. However, credit score alone does not guarantee or imply approval for any credit
offer.
†Advertiser
Disclosure: Credit.com receives compensation for the products and services advertised on this site
if our
users apply for and sign up for any of them.
Card details
Annual fee
$49
Intro APR
N/A
Ongoing APR
13.49% Variable APR for Purchases
Balance transfer
N/A
Recommended credit
Poor-No Credit
Snapshot of card features
- 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