- UltraVX makes it easy to manage your finances
- Automatic minimum payments
- Reports to all 3 major credit bureaus
- No credit check, no bank account required
- Instant online approval
- Earn rewards for iTunes, Southwest Airlines, American Airlines, JetBlue, US Air, Marriott Hotels, Hilton Hotels, and many more with no restrictions (Subject to terms and conditions)
*Application for this card is not available
4.4 / 5.0 (26 votes)
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Information - Rates - Fees

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

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):
Cash Advance Fee:

Other Fees

Additional Fees
- Account Set Up Fee: 29.95
- Monthly Participation Fee: $6.95 monthly

ATM (International) - $5.00
ATM Balance Inquiry Fee - $0.95
ATM Decline Fee - $0.95
ATM Fee - $2.00
Bill Pay (Paper) - $1.00
Card Replacement Fee - $15.00
Cash Advance Fee (International) - $5.00
Cash Advance Fee - $2.00
Duplicate Statement Fee - $5.00
Express Mail Fee - $19.95
Returned Payment Fee - $25.00


Transaction fee for any transaction made in a foreign currency: 2% of the U.S. Dollar amount of each such transaction. This fee will be in addition to any other applicable fee.

Review by

The Ultra VX credit card is designed for consumers who'd like to improve their credit rating over time. It's also a good take to other consumers who just want a flexible card to make purchases. Members are required to pay an initial security deposit which will serve as the credit limit. When purchases are made, this amount is deducted from the amount available to spend (which in summary is total amount deposited into the secure and cash accounts). Members repay purchases over time or in full. A monthly repayment minimum however is 4% of outstanding credit balance or $10 whichever is greater.

On the universal rewards program, card members earn 1 point per $1 spent on qualifying purchases. Reward options exist with numerous participating merchants and retailers.

No annual fee is charged.


Most attractive:
- Instant online approval
- Access to rewards program
- Credit bureaus reporting
Least attractive:
- Participation Fee

Rewards & Benefits

Reward Type:
Universal Reward Cards
Reward Unit:
- 1 point for each $1 spent

Redeem points for iTunes, Southwest Airlines, American Airlines, JetBlue, US Air, Marriott Hotels, Hilton Hotels, and many more with no restrictions and no blackout dates
Other Benefits:
- Online account access
- Automatic minimum payments
- Account alert feature
- World-class customer service
Online Access:
Credit Reporting:

The information provided for Ultra VX Visa Credit Card is believed to be accurate at the time of evaluation (Mar 23, 2016). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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