Earn 1% Cash Back Rewards with First Progress Prestige!

Apply now and fund your security deposit over 90 days with the option to make partial payments.

You Can’t Rebuild credit with a Debit Card. Try First Progress Today! ¹

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.

$200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*.

3% unlimited cash back on Gas, Groceries, Streaming, and Utilities and unlimited 1% cash back on all other purchases.

No annual fee.

Pay no interest when you pay your full balance early**

Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more.

Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more.

No touch payments with contactless technology built in.

See if you qualify in seconds with no impact to your credit score.

Great for everyday expenses and large purchases with predictable payments you can budget for.

Mobile app to access your account anytime, anywhere.

Use your card anywhere Visa is accepted.

Relax knowing that you are protected in case of unauthorized transactions with Visa's Zero Liability Policy.

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Preferred account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Preferred account within 60 days of the date the Rewards Checking Preferred account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Preferred account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Preferred account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Preferred account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.

**By paying off your statement balance in full by the EarlyPay payment date, which is two calendar days after your statement closing date, you will avoid daily interest on any new transactions until the following EarlyPay payment date. Refer to your Personal Credit Line Agreement for EarlyPay terms and information. If the balance is not paid in full by the EarlyPay payment date, daily interest will begin to accrue after the Early Pay payment date for past and new transactions. To maintain good standing on your account, you must make at least the required monthly payment by the monthly payment due date, which is 22 calendar days after the statement closing date. You may pay down your full balance at any time to stop further interest charges.

Choose our First Latitude Elite Card for a lower annual APR!

Apply now and fund your security deposit over 90 days with the option to make partial payments.

Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.

Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹

No minimum credit score required for approval!

Secure your credit line with a refundable security deposit - as low as $200 to get started!

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.

*See Important Disclosures for complete offer details

Up to $1,000 Initial Credit Limit.

See if you Pre-Qualify with No Impact to your Credit Score (If you’re approved and accept your offer, that may impact your credit score).

Less than perfect credit? It's understandable. The Surge Mastercard is ideal for people looking to build their credit.

With responsible card use, you may be able to build or improve your credit.

Unsecured credit card that requires No Security Deposit.

Perfect card for everyday purchases and unexpected expenses.

Monthly reporting to the three major credit bureaus.

Use your card everywhere Mastercard is accepted at millions of locations.

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.