Capital One Savor vs First Progress Select MasterCard Secured: Which Is Better In 2026?

First Progress Select 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 recommend the First Progress Select MasterCard Secured Credit Card.

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• It's highly accessible for those starting their credit journey, as the application process doesn't require a credit check or minimum score.
• Your payment activity is reported to all three major credit bureaus, which is crucial for building or repairing your credit history.
• It offers the rare opportunity to earn rewards on purchases, a feature not commonly found on secured credit cards.

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Pros

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• You can apply without a hard inquiry on your credit report, so there’s no risk to your score.
• The card offers a flexible, refundable security deposit, which allows you to set a credit limit that works for you.
• It provides a clear path to establishing or improving your credit, as your account activity is reported to all three major credit bureaus (Experian, Equifax, and TransUnion).

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Cons

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• The card has an annual fee and charges a fee for foreign transactions.
• There is no option to graduate to an unsecured card, which means you will eventually have to close the account to move on.
• It lacks modern features like a mobile app and relies on a more traditional customer service process.

First Progress Select 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 the First Progress Select MasterCard Secured, depends entirely on your financial goals and credit history. These two cards serve vastly different purposes, making a direct comparison a matter of individual needs rather than a simple head-to-head matchup.

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• Capital One Savor Cash Rewards Credit Card is designed for consumers with good to excellent credit who spend frequently on dining, entertainment, and groceries. It's a great fit for urban professionals or active families looking to earn rewards on their everyday lifestyle spending.
• First Progress Platinum Select Mastercard® Secured Credit Card is tailored for individuals who are building or rebuilding their credit. It's an ideal starting point for those with a limited or poor credit history who need a straightforward path to establishing a positive payment record.

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Redemption

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Capital One Savor Cash Rewards Credit Card: You can redeem the cash back you earn in a variety of ways, including as a statement credit or a check, offering flexibility for how you use your rewards.

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First Progress Platinum Select Mastercard® Secured Credit Card: This card is not designed for rewards, so there are no points or cash back to redeem. Its main purpose is to help build credit, and your security deposit is potentially refundable when you close your account in good standing.

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Compare Top Rated Credit Cards with Kudos

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For those looking to cut through the noise, a tool like Kudos can help you compare nearly 3,000 credit cards to find the best fit for your specific spending habits.

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• Test drive credit cards: Simulate your potential earnings with different cards using your actual spending data, all without a hard credit pull or application.
• Personalized approval odds: Get a detailed analysis of your chances of being approved for a card based on your credit report.
• Welcome offer guarantee: If you find a better welcome offer for a card you got through Kudos within three months, they will match it.
• Stacked rewards: Earn extra rewards through Kudos Boost on top of your regular credit card rewards when shopping at participating stores.
• Bonus tracking: Monitor your progress toward hitting the spend requirements for credit card sign-up bonuses for free.

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 anyone whose spending is concentrated on going out, from urban professionals to active families. It's designed to reward your lifestyle with unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores. Plus, with no foreign transaction fees, it's also a valuable companion for those who travel internationally.

Who Should Choose the First Progress Select MasterCard Secured Credit Card?

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The First Progress Platinum Select Mastercard® Secured Credit Card is designed for individuals who need to build or rebuild their credit history. It's an ideal starting point for those with poor or no credit, as there is no credit check required for approval, making it exceptionally easy to get. By reporting your activity to all three major credit bureaus, the card provides a straightforward path to establishing the positive payment history needed to qualify for better credit products in the future.

Alternatives to Consider

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If our Capital One Savor vs First Progress Select MasterCard Secured comparison has you feeling like neither card is the right fit, don't worry. We've rounded up a few other excellent alternatives for you to consider.

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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 - Most rewards cards require good to excellent credit, while some secured cards have no credit history requirement.
• Review the requirements - Make sure you can comfortably meet any spending thresholds for a welcome offer or provide a required security deposit.
• Know your rewards strategy - Understand how the card's benefits align with your spending habits to maximize your earnings.

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Application Strategy

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• Target cards that fit your credit profile - Some cards require good-to-excellent credit, while others are designed for building credit and don't require a credit check.
• Use trusted application channels - Applying through a reputable platform can help you find the best available offers and streamline the process.
• Time your application strategically - Applying before a large planned purchase can make it easier to meet a welcome offer's spending requirement.

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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Can I get the Capital One Savor card if I have bad credit?

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The Capital One Savor family of cards generally requires good to excellent credit for approval. If you have a limited or poor credit history, you may have difficulty qualifying for this card.

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Do I get my security deposit back with a secured card?

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Yes, your security deposit is refundable. You'll typically get it back when you close the account in good standing or when the issuer graduates you to an unsecured card.

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