Credit card review
Synovus Bank First Progress Platinum Prestige Mastercard Secured Review
Synovus BankMastercardSecured
Synovus Bank First Progress Platinum Prestige Mastercard Secured earned 4.0 / 5 in our 2026 review. The Synovus Bank First Progress Platinum Prestige Mastercard Secured earns 1% on everything with a $49 annual fee. Here is the full Fintiex review for 2026.
By the Fintiex Card Desk · Updated 2026-05-01
TL;DR
Annual fee
$49
Signup bonus
None
Top reward rate
1% on everything
Intro APR
None
Issuer
Synovus Bank
Network
Mastercard
Min credit score
300
Fintiex rating
4.0 / 5
Pros
- +1% cash back on payments made to your account
- +Low ongoing purchase APR compared to most secured cards
- +Security deposit from $200 to $2,000 sets your credit limit
- +Reports to all three major credit bureaus monthly
- +No credit check required to apply
- +Accepted wherever Mastercard is accepted worldwide
- +Quick application and fast approval decision
Cons
- -$49 annual fee
- -3% foreign transaction fee
- -Rewards paid on payments, not purchases (unusual structure)
- -No path to automatic upgrade to unsecured card
- -Lower credit limit ceiling than some competitors
- -No mobile app with advanced features
Rewards detail
everything else
1%
Rates and fees
Annual fee
$49
Purchase APR
15.24%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
15.24%
Cash advance APR
24.24%
Balance transfer fee
3%
Or $5 minimum, whichever is greater
Foreign transaction fee
3%
Who it's for
The First Progress Platinum Prestige Mastercard Secured is built for people who want a secured card. Most approvals land at FICO 300 and above, but issuers prefer scores near 580. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.
Not sure this is the right fit? See our best secured cards roundup.
Compare with similar cards
Frequently asked questions
Does the First Progress Platinum Prestige Mastercard Secured have a foreign transaction fee?
Yes. The Synovus Bank First Progress Platinum Prestige Mastercard Secured charges a 3% foreign transaction fee on purchases made outside the United States. If you travel internationally often, pair this card with a no-foreign-fee travel card.
What credit score do I need for the First Progress Platinum Prestige Mastercard Secured?
Approvals typically start around a FICO score of 300, but Synovus Bank prefers 580 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
Does the First Progress Platinum Prestige Mastercard Secured have a welcome offer?
No. The Synovus Bank First Progress Platinum Prestige Mastercard Secured does not run a traditional signup bonus right now. The ongoing rewards rate is the main reason to apply, not a one-time promotion.
Does the First Progress Platinum Prestige Mastercard Secured have a 0% intro APR offer?
No. The Synovus Bank First Progress Platinum Prestige Mastercard Secured does not currently offer a 0% intro APR period. The standard variable purchase APR is 15.24%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the First Progress Platinum Prestige Mastercard Secured?
$49 per year. To break even you need to earn enough rewards and credits to cover that fee. We walk through the math in the rewards detail section above.
Is the First Progress Platinum Prestige Mastercard Secured worth it?
Fintiex rates the Synovus Bank First Progress Platinum Prestige Mastercard Secured 4.0 out of 5 for 2026. It is best for secured. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.
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