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Unique Platinum credit card full review

If you are looking for a credit card that accepts applicants with poor credit, this card does just that. Read our Unique Platinum credit card review and see what it can do for you!

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by Danilo Pereira

Published on 04/27/2022

Unique Platinum credit card: fast approval and 0% APR.

Unique logo
Unique Platinum credit card full review. Source: Stealth Capitalist.

Unique Card Services is the issuer of the Unique Platinum credit card, an online merchandise card that can be used for purchases at My Unique Outlet’s webstore. Once you sign up, you will get an unsecured $1,000 credit limit with no credit, income or employment checks. Approval is fast and stress-free.

A few other perks worth mentioning are discounts on products purchased at the online drugstore RxSpark, roadside assistance, legal assistance, not to mention their Unique Rewards Program. All this easy access, however, does come at a cost. The Unique Platinum credit card charges hefty monthly fees ranging from $19.95 to $29.95.

Have a look at some important numbers you should know about this credit card.

Unique Platinum credit card

How to apply for the Unique Platinum card?

Learn how to get your own Unique Platinum Card in just a few easy steps. Read on for the application process!

Sign-up bonusN/A
Annual fee$239.4
Rewards$25 reward for every month your account stays active
Other perksRoadside assistance;
Legal assistance;
RxSpark discounts;
Unique Rewards.
APR0%

How does the Unique Platinum credit card work?

When Unique Platinum gives you a $1,000 of unsecured credit, it finds its own way of securing it by making sure you spend it in the right place. This credit line is meant to be used exclusively on purchases at My Unique Outlet, their own online department store.

When a subprime credit card offers you such a big credit limit with no credit checks, you have to guess it is not free money and that something is up. Yes, having $1,000 to spend at whatever store you choose beats being obliged to spend it in one single place. But as a poor credit bearer, you are a risk to the card issuer. They have to manage you somehow.

Unique Platinum credit card pros and cons

comparing card
Time to weigh in pros and cons. Source: Adobe Stock

Pros

  • Accepts fair or poor credit applicants
  • Lower purchase APR
  • Free access to credit score

Cons

  • No sign-up bonus
  • Substantial annual fee
  • May be denied for no obvious reason

Does my credit score need to be good?

This is a product especially planned for individuals facing difficulties getting access to a credit card due to a bad credit score. If you would like to avoid another hard inquiry on your credit report, this card makes things a lot more simple by not running credit checks. This does not guarantee you will be approved for the card, but it does increase the odds.

You might also be looking to rebuild your credit score. You can use Unique’s card’s $1,000 limit as an alternate credit line to reduce your credit utilization ratio. The card issuer reports to TransUnion, which adds up to you rebuilding your credit score.

Want to apply for the Unique Platinum card?

Applying for the Unique Platinum credit card is a very straightforward process. Just go to their home page, enter your email address, fill out the required information on the next pages, and you are on your way.

If you would like a complete walkthrough of the application process, click the link below and we will take you there.

Unique Platinum credit card

How to apply for the Unique Platinum card?

Learn how to get your own Unique Platinum Card in just a few easy steps. Read on for the application process!

About the author  /  Danilo Pereira

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