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Next Millennium Card review

A store credit card you can use only at the My Unique Outlet site.

  • Get this card if you shop often at the My Unique Outlet site.
  • Pick something else if you want a card that’s accepted everywhere and with fewer fees.
  • Apply with poor credit or no credit history.
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Up to $239.4

Annual fee

N/A

Purchase APR (fixed)

300

Recommended credit score

Details

Annual feeUp to $239.40
Welcome offerN/A
RewardsN/A
Purchase APRN/A fixed
Balance transfer APRN/A
Minimum Credit Score300
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Review by


Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

While the Next Millennium Card has no purchase APR, it comes with a $29.95 application fee. You’ll also pay a $19.95 monthly charge that results in a sky-high fee of almost $239.40 annually.

If you’re a frequent shopper at the My Unique Outlet site, the Next Millennium Card can help you finance the electronics, beauty and decor you want. The provider won’t do a hard credit pull when you apply, and guarantees approval no matter your credit score.

Note that you won’t build credit even if you always pay your balance on time. That’s because the provider doesn’t report your positive payment history to the credit bureaus.

How to apply for the Next Millennium Card?

To apply for the card you must be at least 18 years old, have no open bankruptcies and be a resident of the US. You cannot apply if you live in Wisconsin, Indiana or Vermont.

When you apply, you’ll be asked several times to get a promotion for another card or a product. You can skip these without affecting your application.

  1. Click Apply now.
  2. Complete the application form.
  3. Confirm that you consent to texts and calls from Next Millennium Card‘s marketing partners.
  4. Skip the offer for other products if it appears.
  5. Enter your debit or credit card information. Click Submit.
Once you send your application, Next Millennium shares your info with its marketing partners. This means you could get phone calls and texts from solicitors.

What credit score do I need?

You don’t need a minimum credit score or credit history to apply. Your approval is guaranteed if you complete the required application questions.

Apply now

Next Millennium Card benefits

  • No credit checks and guaranteed approval. Without a credit check, there’s no impact on your score. And even with a poor credit score, Next Millennium guarantees you’re approved if you sufficiently complete the application.
  • No APR on purchases. There’s no interest on purchases. However, its application and monthly fee could offset this feature.
  • Membership perks. Get benefits such as roadside assistance, legal assistance and daily discount offers.
  • Credit line. You get an unsecured credit line of $1,000.

Next Millennium Card drawbacks

  • Only works on the My Unique Outlet website. You can’t use this card to make cash withdrawals or payments at supermarkets. You can only use the card for purchases at the My Unique Outlet.
  • High monthly fee. To own the card, you’ll pay a $19.95 monthly fee, which adds up to about $240 annually.
  • Other fees. You’ll pay a $29.95 application fee, $10 for late payments, NSF check fee of $30 and a fee for returned checks or debits of $30.
  • Minimum monthly payment. Your minimum monthly payment is either 15% of the balance or $19.95, whichever is greater. This is high, considering most credit cards require a minimum payment between 1% and 3%.
  • Doesn’t report to a credit bureau. Unlike most other cards, this one doesn’t seem to report to any of the credit bureaus. If you’re looking to build your credit, look for credit-building cards.

Compare store cards

If this card isn’t right for you, compare other store cards on the market. Consider which brands and stores you shop at the most, if the card is closed or open loop and if it comes with an annual fee.

Name Product Annual fee Purchase APR Minimum Credit Score
Costco Anywhere Visa® Card by Citi
$0
15.24% variable
740
An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.
Sam's Club® Mastercard®
$0
14.9% to 22.9% variable
670
Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases.
Merit Platinum
$299.40
N/A
300
Apply with no credit or bad credit, for use on the Horizon Outlet website.
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Compare up to 4 providers

Bottom line

Unless you spend a lot of money at the My Unique Outlet site, you might have better luck, and pay less, for another card. This card won’t help you build credit and has a high monthly fee. And because it shares your info with its marketing partners, you’ll likely get unwanted calls and texts from solicitors.

There are better alternatives to pay for your shopping. If you’re looking to build your credit with a low annual fee or no annual fee at all, check out a secured card. If you’re looking for a card with perks at stores you love, check out a store card.

Frequently asked questions

Does the card have an annual fee?
The card has a monthly fee of $19.95, which comes up to $239.40 annually.

Can I use the card to make a cash withdrawal or to pay at a groceries store?
No. You can only use this card for purchases at the My Unique Outlet store.

Will I have to provide my Social Security number when signing up?
No. All you need to provide is your address, contact information and a debit or a credit card number.

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8 Comments

    Default Gravatar
    Kathleen
    December 10, 2017

    Can I use this anywhere else like Walmart or stores like that? and can I go shopping online before I get my card?

      Avatarfinder Customer Care
      Anndy
      December 12, 2017

      Hi Kathleen,

      Thanks for your question.

      You may not be able to use the Next Millennium Card on stores like Walmart. You may only use this card for purchases on MyUnique Outlet website which sells a wide variety of brand name items such as clothes and electronics among others.

      It is not possible to shop online before your card arrives because you need to first activate it before you can use it. You need the details on the card for the activation process.

      I hope this helps.

      Cheers,
      Anndy

    Default Gravatar
    Lance
    December 5, 2017

    Can i get it for free?

      Avatarfinder Customer Care
      Rench
      December 5, 2017

      Hi Lance,

      Thanks for your inquiry.

      To apply for Next Millennium Card. you can expect an initial fee of $29.95, that includes a $10 application fee and the first monthly fee of $19.95.

      You may get this info on this page under ‘Features’

      Cheers,
      Rench

    Default Gravatar
    Sherrie
    November 27, 2017

    I have read about some companies that you have to pay shipping costs or even up to 15% of the product price up front then you will charge the rest is this card like that also?

      Avatarfinder Customer Care
      Anndy
      November 28, 2017

      Hi Sherrie,

      Thanks for your question.

      Kindly note that when you use your Next Millenium Card to make online orders, you’ll only pay for shipping upfront. The remaining balance can go on your Next Millennium card. Concerning the reviews you have read, this is something you may have to directly confirm with the Next Millenium.

      Cheers,
      Anndy

    Default Gravatar
    Benjamin
    April 16, 2017

    Hi everybody it too bad they don’t get credit card and pay bills right away thank you

      Avatarfinder Customer Care
      Harold
      July 12, 2017

      Hi Benjamin,

      Thank you for your inquiry.

      Should you interested to apply to for the Next Millennium Card you have to meet the following eligibility criteria.
      – 18 years old or older
      – A US resident
      – A resident of the states it’s available.
      – Free from uncharged bankruptcy

      I hope this information has helped.

      Cheers,
      Harold

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