- 0% APR
- No Annual Fee
- $7500 Shopping Credit
- Low Minimum Monthly Payments
- Credit Limit Increases Available
- Unlimited Credit Report monitoring
3.5 / 5.0 (29 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
Guaranteed Approval
Shopping Card
Credit Needed:
Bad Credit OK*
Grace Period:
Min Credit Line:
Max Credit Line:
Late Payment Fee:

Balance Transfers

Balance Transfer:

Other Fees

Application Fee:
Additional Fees
My Hi Tech Auto Services: $14.95/month
The Elite Service: $19.95/month
Returned Checks: $30.00
ACH Debits and Credit Cards: $30.00


After application, USA Credit would debit your bank account for $19.95 every thirty (30) days in which you maintain the Elite Services, beginning as soon as thirty (30) days from today. Each debit will appear each month on your banking statement and I will deduct each amount from your bank account. You may cancel the Elite Services at any time, and may have questions on your USA Credit account answered, by contacting USA Credit member services at 1-888-834-1815 or at memberservices@usacdt.com. If You cancel your Elite Services after a monthly debit has occurred, you will cancel all subsequent debts, but will not receive a refund for the current month.

The offer is not available in AK, HI, IN, WI, VT

Review by

The Preferred Trust Gold credit card is a shopping card designed for persons who have bad credit and would like to see their rating improve over time. No interest rate is charged on purchases. There is no annual fee rather a $19.95 is deducted from your bank account on monthly basis. Applicants incur a $149.95 application fee.

Card members do not partake in a rewards program but may enjoy various discounts while purchasing from the USA Credit Shopping Club website.

Online account access helps card members keep in touch with spending and remaining balance. Other benefits to avail of include road side assistance, identity theft insurance, and unlimited access to your credit report.

Approval is 100% guaranteed once the initial requirements are met.


Most attractive:
- Credit line
- Credit reporting
- No annual fee
Least attractive:
- Application fee
- Monthly maintenance fee
- Limited credit usage


Other Benefits:
- Discounts on prescriptions
- Roadside Assistance
- Identity Theft Insurance
- Unlimited Access to you credit report
Online Access:
100% Guarantee Approval:
Credit Reporting:

The information provided for Preferred Trust Gold Shopping Card is believed to be accurate at the time of evaluation (Nov 30, 2010). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.