- $500 Unsecured Credit Limit
- Instant Approval*
- No Credit Check
- No Employment Check
- Fast online application
- Reports to a Major Bureau
- Bad Credit - OK
*See site for details
3.5 / 5.0 (36 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
Annual Fee:
Card Network:
Card Category:
Consumer (Shopping)
Card Type:
Card for Bad Credit
Instant Decision Card
Shopping Card
Credit Needed:
Bad Credit OK*
Grace Period:
Late Payment Fee:

Balance Transfers

Balance Transfer:

Other Fees

Opening Minimum:
See Terms
Application Fee:
See Terms
ATM Fee:
See Terms
Additional Fees
  See website for Details* -


This card is NOT a credit card but a shopping card.

Review by

The Freedom Gold is a shopping card that makes things simple. It also comes with a number of benefits that are convenient and they save members money. But first, the card can be used within the online store where name brand merchandise can be purchased and shipped to the member's door.

The fees that are associated with this include shipping and handling fees and processing fees. This is in addition to the monthly maintenance fee that affords members benefits such as My Privacy protection for monitoring of the credit report, My Universal Rx for prescription savings, My Roadside Protection for protection while on the road, My Legal Assistance when facing a non-criminal legal matter, and courtesy programs that are designed to save money.

To get the card, you need to be a U.S. resident who is at least 18 years of age and you need to have an active checking or savings account, debit card, or credit card on file. There is a small enrollment fee to get started. The unsecured credit limit that is instant is one that is enough to help you acquire the merchandise that you want. From there, the account remaining in good standing will allow you to have more spending power.


Most attractive:
- High credit limit
- Shopping card features
- No credit check
- Instant Approval
Least attractive:
- Limited card use
- Monthly fees

Rewards & Benefits

Other Benefits:
*See Terms and Conditions of the card for other benefits
Online Access:
Credit Reporting:

*The information provided for Freedom Gold Card is believed to be accurate at the time of evaluation (May 29, 2020). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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