- $1000 Credit Limit
- No Credit Checks
- Instant Approval
- 0% Financing
- No application denied for bad credit!
3.2 / 5.0 (43 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
APR Type:
Annual Fee:
Card Network:
Card Category:
Consumer (Shopping)
Card Type:
Card for Bad Credit
Guaranteed Approval
Instant Credit
No Credit / New to Credit
No Credit Check
Credit Needed:
Accepts All*
Grace Period:
Min Credit Line:
Late Payment Fee:

Balance Transfers

Balance Transfer:

Other Fees

Opening Minimum:
Additional Fees
Cancelation fee: None
Processing fee: None
Monthly fee: $19.95
Returned payment fee: $30.00


*See terms and conditions

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Review by

From the very start, the Unique Platinum shows how unique it is as a merchandise credit line. It is a card that starts with a rather generous credit line that can be used in the online store. The store consists of electronics, home items, children's items, jewelry, health and beauty merchandise, and much more. The card gives you the ability to buy what you want now and pay for it in payments. As you free up credit on your card, you can use it again or enjoy having available money on the card for when you need it.

Cardholders are also given a number of other benefits. The first is the roadside assistance. Roadside assistance consists of towing, fluid delivery, locksmith service, and much more. Legal assistance allows for the review of legal documents, consultations on new cases, small claims court representation, and will preparation. The last benefit is the ability to save money in thousands of cities around the world and a mobile app to accompany it so that those discounts can be easily found. That makes this a card that extends credit, while also providing money saving opportunities.

Lastly, there are hardly any fees. Aside from a yearly membership fee and a monthly fee, the only other fees are the late fee if the payment is made late and the returned check fee if a payment comes back returned on the account. The only fee that is deducted from the balance is the monthly fee, allowing you to have access to almost all of your available credit.


Most attractive:
- Shopping card
- $1000 credit
Least attractive:
- Limited usage


Other Benefits:
*See website for additional benefits
Online Access:
100% Guarantee Approval:

*The information provided for Unique Platinum is believed to be accurate at the time of evaluation (Oct 24, 2023). 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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