Credit Cards
Unique Platinum Review: $1000 limit, no credit check!
If you’re struggling to fit your purchase needs into your budget, get some extra room with the Unique Platinum card! But first, read this article to understand what it is and how it works.
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Get your merchandise credit card even if you have no credit history
Important Notice: The Unique Platinum Card is no longer being offered to new customers. The content of this article is maintained for reference purposes only, and some information may be outdated. We suggest exploring other available credit card options to find one that best fits your profile.
Are you looking to buy some new clothes but are short on cash? This Unique Platinum credit card review will show you how to avoid this situation.
After all, not every credit issuer is willing to give a $1000 credit limit so easily. Luckily, this card is an exception. So keep reading and learn how this credit card works.
Credit Score | No credit check; |
Annual Fee | No annual fee, just a $19.95 monthly fee for the Unique Rewards Program; |
Purchase APR | None; |
Cash Advance APR | No cash advance is available; |
Welcome Bonus | None; |
Rewards | $25 rewards to use at selected merchants and purposes. |
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The ins and outs of the Unique Platinum
First, we must be honest: the Unique Platinum credit card is not a regular credit card. It is, indeed, a line of credit. But not one that you can use anywhere.
In fact, this is a one-trick card because you can only use it on the My Unique Outlet. That’s what a merchandise credit card is!
However, it will certainly be of great use to make that purchase you’ve been pushing on your schedule. And the credit limit is pretty generous: $1000!
Another great advantage is that it does not require any credit score. The Unique Platinum will not review your credit history to decide if you can get it.
All you have to do is provide the required documentation and fulfill your commitment to pay your credit card bill on time.
Unique Platinum: is it worth it?
So, this is a very simple credit card. It does offer a few side benefits, like roadside and legal assistance, but the main goal of this card is to purchase at the My Unique Outlet website.
Moreover, you won’t be charged any interest, which is a great advantage.
There is a membership program monthly fee os $19,95 to access the member’s rewards and offers.
So, to see if the Unique Platinum is worth it for you, you must review your financial needs and weigh if you can afford to pay your card bill every month.
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Pros
- The credit limit is higher than any other credit card with no credit check;
- No interest charges on your purchases;
- Roadside and legal assistance;
- Exclusive discounts and rewards through the Unique Rewards Program.
Cons
- The Unique Platinum card does not build credit, as it is not issued by any bank, credit union, or financial institution;
- The shipping costs must be paid with another debit or credit card
- Works only for the My Unique Outlet website;
- Is it not a Visa® or a Mastercard®.
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Credit score requirements for card application
The words “credit score” will not be mentioned in your Unique Platinum card application.
You can apply even if you’re new to credit and never used a credit card before.
Ready to apply? Here’s how to get the Unique Platinum
The Unique Platinum is the ace up your sleeve that you can use to make purchases when you don’t have access to a regular credit line.
In the following, we’ll show you the eligibility requirements and the step-by-step process of the application. That will be quick, as the process is the easiest on earth.
Applying for your card: Online
So, let’s get started! First and foremost, know that you don’t need to go anywhere physically.
After all, the Unique Platinum universe exists only online.
There’s no in-person customer service center, just as there’s no physical store to use the card. We’ll be navigating the waters of the web.
So, the process to apply for the Unique Platinum is easy and quick, as we’ll outline now:
Steps to apply online for the Unique Platinum:
- Visit the Unique Card Services website. Ensure you are on the correct site to avoid falling victim to fraudulent websites.
- On the first screen, you will find a box to enter your email. Unique Card Services will contact you via this email to finalize your application process.
- Now, you must prove that you are a U.S. citizen and have reached the age of 18. These are the basic requirements.
- Additionally, you should have a checking account with a valid debit card or a credit card issued by a financial institution.
- After a brief review of your documentation, if you meet the requirements, you will join the happy customers’ club at My Unique Outlet!
With this straightforward process, you will gain access to all the benefits of the Unique Platinum card.
Requirements
Well, this will be a very short list. Check the eligibility requirements:
- Be a US resident;
- Be of legal age (at least 18yo);
- Having a valid debit or credit card;
- Not live in Vermont, Wisconsin, or Indiana.
Applying for your card: App
Although we are immersed in the online world to apply for the Unique Platinum, we will have to navigate solely through the internet browser.
There is no mobile app to apply for the Unique Platinum or to shop at My Unique Outlet.
Unique Platinum or FIT Mastercard®?
Well, even though the Unique Platinum card is easy to apply, it may not be really worth it for you if you’re not willing to be a part of the My Unique Outlet shopping club.
Another option for people with imperfect credit scores (is it you?) is the FIT Mastercard. See, this one is already a Mastercard!
And you know what it means: worldwide acceptance! This card is designed for people who need a second (or third, or fourth…) chance in the credit card world.
Unique Platinum | FIT Mastercard® | |
Credit Score | No credit check; | 500 to 600; |
Annual Fee | No annual fee, just a $19.95 monthly fee for the Unique Rewards Program; | $99; |
Purchase APR | None; | 22,99%; |
Cash Advance APR | No cash advance is available; | 25,99%; |
Welcome Bonus | None; | N/A; |
Rewards | $25 rewards to use at selected merchants and purposes. | N/A. |
To add this real credit card to your wallet, read our full FIT Mastercard review to see if it’s really a fit for your finances.
Apply for the FIT Mastercard®
Ready for a credit transformation? Learn how to apply for the FIT Mastercard® effortlessly and embark on a journey to better credit.
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