Capital One Savor vs First Progress Platinum Prestige Mastercard Secured: Which Is Better In 2026?

First Progress Platinum Prestige Mastercard® Secured Credit Card Breakdown

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Why We Like It

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Here’s a closer look at why we like the First Progress Platinum Prestige Mastercard® Secured Credit Card.

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• It’s an accessible option for building or rebuilding credit, especially since the application doesn't require a hard credit check.
• The card reports to all three major credit bureaus, which can help you build a positive credit history with responsible use.
• Unlike many secured cards, the First Progress Platinum Prestige Mastercard® Secured Credit Card allows you to earn cash back rewards on your spending.

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Pros

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• Applying doesn’t require a hard credit inquiry, so it won’t affect your credit score.
• Features a low variable APR, making it a more affordable option if you carry a balance.
• Allows cardholders to earn cash back rewards on purchases, which is uncommon for secured cards.

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Cons

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• Charges an annual fee.
• There is no option to graduate to an unsecured card, meaning you'll have to close the account to retrieve your security deposit.
• Account management can be cumbersome due to a lack of a mobile app and reliance on mail for certain services.

First Progress Platinum Prestige Mastercard® Secured Credit Card vs Capital One Savor Cash Rewards

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Categories

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Deciding which is better, the Capital One Savor or First Progress Platinum Prestige Mastercard Secured, depends entirely on your financial situation and spending habits. These two cards are designed for very different consumers, one for earning rewards and the other for building credit.

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• Capital One Savor Cash Rewards Credit Card is a premium rewards card ideal for food enthusiasts and entertainment seekers. It is also a great option for frequent travelers who want to avoid foreign transaction fees.
• First Progress Platinum Prestige Mastercard® Secured Credit Card is a secured card for individuals who need to build or rebuild their credit history. It is especially suited for those who might carry a balance and want to keep interest charges low.

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Redemption

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Capital One Savor Cash Rewards Credit Card: Cardholders can redeem their cash back rewards in several flexible ways, including as a statement credit or a check.

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First Progress Platinum Prestige Mastercard® Secured Credit Card: This card is designed for building credit and does not feature a rewards program. The main financial return is the refund of the security deposit when the account is closed or upgraded while in good standing.

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Compare Top Rated Credit Cards with Kudos

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To eliminate the guesswork, you can use a financial companion tool like Kudos, which helps you compare nearly 3,000 credit cards to find the best one for your unique spending habits.

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• Test drive credit cards: Simulate how much you would earn with a specific card using your real spending data before you apply.
• Personalized recommendations: Get data-driven card suggestions based on your actual spending history, not generic lists.
• Approval odds analysis: Receive a detailed breakdown of your approval chances based on your credit report.
• Kudos Kickstart+ reward: Unlock $100 in rewards when you add select approved cards to your Kudos Wallet.
• Welcome offer guarantee: If you find a better welcome offer within three months of approval, Kudos will match it.
• Kudos Boost: Earn additional rewards on top of your credit card rewards when shopping with partner stores.

Who Should Choose the Capital One Savor Cash Rewards?

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The Capital One Savor Cash Rewards card is a great fit for urban professionals and active families who spend a significant portion of their budget on dining out and entertainment. With unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores, the card rewards these common spending areas without an annual fee. Additionally, frequent travelers will appreciate the lack of foreign transaction fees, making it a solid choice for use abroad.

Who Should Choose the First Progress Platinum Prestige Mastercard® Secured Credit Card?

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The First Progress Platinum Prestige Mastercard® Secured Credit Card is designed for individuals with limited or poor credit who are focused on building or rebuilding their credit profile. It's particularly well-suited for those who anticipate carrying a balance from time to time, as its 14.24% variable APR is significantly lower than what most starter cards offer. Ultimately, this card serves as an accessible stepping stone for establishing positive credit habits, thanks to its high approval odds and the fact that applying doesn't require a hard credit inquiry.

Alternatives to Consider

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If the Capital One Savor vs First Progress Platinum Prestige Mastercard Secured comparison didn't point you to a clear winner for your wallet, several other cards are worth considering.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Tips for Application Success

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Before You Apply

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• Check your credit score - Knowing your score helps you understand which cards you are likely to be approved for.
• Confirm your eligibility - Issuers often have rules about who can earn a welcome offer based on your card history.
• Plan your spending - If there's a welcome offer, make sure you can meet the spending requirement without overspending.

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Application Strategy

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• Time your application to align with large planned purchases to help meet spending requirements.
• Leverage soft pull applications to check for offers without impacting your credit score.
• Research issuer tendencies, as some may weigh factors beyond just your credit score.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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What is a secured credit card?

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A secured credit card requires a cash security deposit to open the account, which typically becomes your credit limit. It's designed for individuals looking to build or rebuild their credit history.

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Who is the Capital One Savor card designed for?

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The Capital One Savor card is generally for people with good to excellent credit who spend frequently on dining, entertainment, and popular streaming services and want to earn cash back on those purchases.

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Can I get a secured credit card if I have bad credit?

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Yes, secured credit cards like the First Progress Platinum Prestige Mastercard Secured are specifically designed for people with poor or limited credit history, as the security deposit reduces the lender's risk.

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