Highlights

• Put Your Tax Refund to Work — 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!*
• Secure your credit line with your refundable security deposit – choose from $200- $2,000 – with the ability to increase up to $5,000 over time!
• Choose the First Progress Select Card for a lower annual fee!
• 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.
• *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

Highlights

• 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

Highlights

• Earn up to 10% cash back on everyday purchases
• No credit check required – 89% approval rate with zero credit risk to apply!
• Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
• Track your progress with free access to your FICO® score in our mobile app
• Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
• Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
• Start with just $200—secure your credit line with a refundable deposit
• Fast and easy application—apply in minutes with our mobile-first experience
• Flexible payment options—pick a due date that works for you
• More time to fund—spread your security deposit over 60 days with layaway
• Join 1.6 million+ cardholders who have used opensky® to build better credit!

Highlights

• Choose your own credit line based on how much money you want to put down as a security deposit.
• Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
• After 9 months, we review your account for a credit line increase. No additional deposit required!
• 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 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.

Highlights

Firstcard® Secured Credit Builder Card helps everyone build credit no matter who they are, where they are from, or their credit history.

BUILD YOUR CREDIT SCORE EARLY AND SAFELY

• Build your credit score every time you spend
• Accepts immigrants, international students, foreigners, and non-US citizens without an SSN¹– apply with a passport
• No credit check or hard inquiry
• No overspending
• No interest, overdraft fee, late payment fee, or account minimum requirement
• We can approve your credit card application regardless of your credit history¹
• We report to all 3 major credit bureaus: TransUnion®, Equifax® and Experian®
• Applying for Firstcard does not impact your credit score