Comparison

First Progress vs Kovo

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

First Progress

Manage your credit card account securely and conveniently on the go. Make payments, view transaction history, monitor your credit limit, and redeem rewards. Access your account details anytime, anywhere.

Highlights
  • Manage account anytime, anywhere
  • Make secure payments
  • View transaction history
  • Monitor available credit limit
  • Redeem rewards
Features
Read full description

The First Progress Mobile App is the easiest way for cardholders to manage their credit card account. Download the Mobile App today! The First Progress Mobile App allows you to: · Manage your First Progress account anytime, anywhere! · Make secure payments to your account · View your transaction history and current statements · Stay in control by monitoring your available credit limit · Redeem your rewards (if applicable) +Calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian® indicates your credit risk level and may not be used by all lenders. Click here to learn more about this.

About

Kovo

Build your credit history with a simple, user-friendly platform. This app offers a credit builder program with no credit checks or fees, reporting to all four major bureaus. You can also track your FICO score, earn cash rewards, and access credit protection services.

Highlights
  • Credit builder program
  • No credit check or fees
  • Reports to all 4 bureaus
  • FICO score tracking
  • Cash rewards
  • Credit protection
Features
Currently charting
Read full description

“Kovo has done wonders for my credit. It’s completely user friendly & not so nerve wrecking to use compared to other intimidating apps/sites that serve the same function. Thanks Kovo!” - Karma “I love it. I always wanted to buy a house so if it keeps doing what it’s doing I might be in business for a house.” - Angela Get Kovo to build credit the easy way. No credit check, $0 fees, 0% interest. Plus: grow your worth, protect your credit, earn cash rewards, and unlock credit boosts. SEE WHY PEOPLE GET KOVO CREDIT BUILDER No credit check. No hidden fees. Instant decision. All 4 bureaus. WHY BUILD CREDIT? - Better credit makes owning a car and home possible, with higher odds for approval. - Lower your monthly payments with better rates when you have a higher credit score. KOVO MAKES CREDIT BUILDING SIMPLE - Apply for Kovo Credit Builder to boost your creditworthiness. - Make timely monthly payments to unlock a better future. HOW IT WORKS 1. BUILD YOUR CREDIT WITH ALL 4 BUREAUS - Start with Installment Credit Builder: $10/mo for 24 months. - Payment performance is reported to all 4 credit bureaus: TransUnion®, Equifax®, Experian®, Innovis®. 2. GROW YOUR WORTH - Build and track your FICO® Score, the score most widely used by 90% of top lenders. - Get monthly updates with personalized tips on how to improve your score even more. - Get personal growth tools and 24 months of credit protection. - Continuous ID Monitoring keeps you safe from data breaches. 3. EARN CASH REWARDS - Get $30 for each friend you refer, with unlimited earnings potential. - Earn up to $1,225 in credit rewards: 1% back on loans and up to $75 on credit cards. Available to eligible customers with 4 on-time payments. 4. UNLOCK CREDIT BOOSTS - Eligible customers with 2 on-time payments unlock access to credit boosts for additional credit building and credit protection. Start with $10/mo. - Boost your credit with Revolving Credit Builder: a single-purpose credit line with a $500 limit to use at Kovo. Payment performance is reported to all 4 credit bureaus: TransUnion, Equifax, Experian, Innovis. - Protect the credit you’re building from identity theft with Maximum Credit Protection: up to $1M ID Fraud Insurance policy and 24/7 ID Theft Resolution services. — © Kovo Inc. - a public benefit corporation There is no hard pull on your credit when applying for and opening an account. Approval is subject to instant background verification and income qualification. On-time payments can have a positive impact on your credit score. Late or non-payment can negatively impact your credit score. Impact on your credit may vary and credit score increase is not guaranteed, since credit scores are calculated by credit bureaus based on many factors, including the financial decisions you make with other financial services organizations. Unique experiences and past performance for individuals do not guarantee future results for other individuals. ID Fraud Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Refer to Summary of Benefits for coverage terms, conditions, and exclusions: https://kovocredit.com/legal/id-fraud-insurance-summary Disclosure: Kovo is not affiliated with loan apps, money apps, budgeting apps, credit report apps, Cash App, Credit Karma, Chime, One, Empower, Brigit, MoneyLion, Dave, Cleo, Acorns, EarnIn, Klover, Kikoff, Atlas, Varo, Perpay, Grant, Self, NerdWallet, Dovly, Credit Sesame, Ava, TomoBoost, Grow Credit, Extra, StellarFi, Boom, Build, Grain, Fizz, Credit Strong, Cheese, credit repair, cash advance, paycheck loans, or payday loans. Terms of Use: https://kovocredit.com/legal/terms Privacy Policy & Notice: https://kovocredit.com/legal/privacy

Screenshots

First Progress4 screens
Kovo4 screens

Verdict

The call

The clearest difference is review sentiment: Kovo at 78% against First Progress's 6%. Kovo also leads on rating (4.9 vs 1.7) and ratings volume (13K vs 149). First Progress's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (13.0 vs 16.4). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Kovo holds the better App Store score, 4.9 against 1.7. That said, the two scores are not equally well evidenced: Kovo has 13K ratings behind it against 149, so its average is the more settled of the two. Written reviews point the same way: 6% of First Progress's written reviews are positive against 78% of Kovo's.

UpkeepUpdate frequency

First Progress ships an update monthly, Kovo weekly. The most recent releases landed on October 25, 2026 and October 29, 2026 respectively.

Scorecard7 real differences · 4 level
First Progress versus Kovo: the parameters behind the verdict, then further details
ParameterFirst ProgressKovo
PriceFreeFree
Rating1.7 (149 ratings)4.9 (13K ratings) — better
Positive reviews5.7% of reviews78.0% of reviews — better
Number of ratings14913K — better
Update frequencyMonthlyWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
Best chart rank—#206 — better
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS13.0 — better16.4
Further details — not scored
Size226 MB35 MB
Age rating4+4+
DeveloperVervent, IncKovo

Customer experience

First Progress

All ratings149 ratings
Positive13.4%
Neutral5.4%
Negative81.2%
Written reviews105 reviews
Positive5.7%
Neutral7.6%
Negative86.7%

Kovo

All ratings12,857 ratings
Positive98.5%
Neutral0.4%
Negative1.1%
Written reviews378 reviews
Positive78.0%
Neutral2.4%
Negative19.6%

User reviews

First Progress

From 149 App Store ratings

What we love

  • 👍 Easy to navigate
  • 🚀 Fantastic
  • 💡 No chip on card

Room to improve

  • 🐛 App crashes
  • 🐛 App doesn't work
  • 🐛 App payment not working
  • 🐛 App unreliable
  • 🐛 Difficult to make payments

Kovo

From 13K App Store ratings

What we love

  • 💪 Effective credit building
  • 🆙 Significant score improvements
  • 💰 Affordable monthly cost
  • 🙌 Great service and results

Room to improve

  • 🤔 Misleading contract terms
  • 🔒 Difficulty closing accounts
  • 🐛 Technical issues and bugs
  • ❌ Negative credit impacts

Bugs and requests

First Progress

Reported bugs

5 issues
  • App crashes when trying to log in
  • App doesn't allow creating an account
  • App doesn't work
  • App freezes
  • App forgets user credentials

Requested features

3 requests
  • Improve app functionality
  • Implement auto-pay
  • Provide better payment options

Kovo

Reported bugs

2 issues
  • App crashes and loading issues
  • Inconsistent credit reporting

Requested features

3 requests
  • Faster score increases
  • Revolving credit product
  • Clearer contract transparency

In-app purchases

None

First Progress

No in-app purchases

None

Kovo

No in-app purchases

Questions

Is First Progress free?
First Progress is free to download, with no in-app purchases.
Is Kovo free?
Kovo is free to download, with no in-app purchases.
Which has better reviews, First Progress or Kovo?
Kovo is rated higher. First Progress averages 1.7 out of 5 from 149 ratings, while Kovo averages 4.9 from 13K ratings.
Do First Progress or Kovo have ads?
Neither First Progress nor Kovo shows ads.
Which is updated more often, First Progress or Kovo?
First Progress ships an update monthly, and Kovo weekly. Most recently, First Progress was updated on October 25, 2026 and Kovo on October 29, 2026.

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