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Unique Platinum Card review

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An expensive card you can only use at this online store.

  • Get this card if you want to shop at My Unique Outlet.
  • Pick something else if you want a credit card you can use everywhere.
  • Apply with poor credit score of 300 or higher.

Up to $239.4

Annual fee

N/A

Purchase APR

300

Recommended credit score

Details

Product NameUnique Platinum Card
Annual feeUp to $239.40
Purchase APRN/A
Balance transfer APRN/A
Late payment fee$10
Returned payment fee$30
Additional cardholder fee$0

The basics

The Unique Platinum Card is a store card that can only be used at My Unique Outlet, an online retailer. You can easily get the card with a poor credit score, but applying may not be worth your while.

The card comes with a monthly membership fee of $19.95 — a high price for any credit card — and you can’t build your credit with timely payments. There are other cards without an annual fee that can serve you better.

What to watch out for

  • Card valid only at My Unique Outlet.
    The Unique Platinum Card is a store card that can be used only to shop from the online My Unique Outlet catalog.
  • Automatic membership enrollment.
    After you open the card, you’ll start paying $19.95 a month for the My Services membership. You can cancel this membership by calling 888-805-7648. Note, canceling the membership will lower your credit limit from $1,000 to $250.
  • Initial membership fee.
    When you open your account, you must pay a one-time fee of $29.95. This includes the $19.95 enrollment fee and a $10 application fee. The application fee is not refundable.
  • Minimum monthly payment.
    Most credit cards charge between 1% and 3% for minimum monthly payments. With the Unique Platinum Card, you must pay at least 10% of your balance or $25, whichever is greater.

Card benefits

  • $1,000 credit line.
    You’ll receive a $1,000 credit line to spend on My Unique Outlet purchases. But this only applies if you remain a member. Canceling membership lowers your credit limit to $250.
  • No interest.
    The card has no APR, which means carrying a balance won’t incur any interest. However, the numerous fees cancel out this perk.
  • My Services monthly membership benefit plan.
    My Services includes:
    • Daily discounts. Receive discounts on new products.
    • Legal assistance. According to Unique Card Services, you’ll receive “free and discounted legal care.”
    • Roadside assistance. Get access to towing, fuel delivery, lockout service, tire change service, jump-starts and winching.
Apply now

How to apply for the Unique Platinum Card

To apply for the Unique Platinum Card, you must be at least 18 years old. You must also be a US citizen or permanent resident with no undischarged bankruptcies. You’re ineligible if you live in Wisconsin, Vermont or Indiana.

  1. Click apply now.
  2. Enter your full name, contact information and date of birth.
  3. Choose whether to opt in for additional offers.
  4. Enter your debit or credit card information and mother’s maiden name. Then click Submit to complete your application.

What credit score do I need?

Because the Unique Platinum Card requires no credit checks, you can qualify with any credit score.

I got the card. Now what?

  • Keep up with payments. Your minimum monthly payment is at least 10% of your balance or $25, whichever is greater.
  • Avoid fees. Late and returned payments cost up to $30.
  • Customer service. For support, call the member services department at 888-805-7648.

Bottom line

The Unique Platinum Card allows you to shop at My Unique Outlet without interest if you carry your balance. However, given a required monthly membership fee, it’s expensive and may not be worth the cost. It’s also a poor choice if you want to rebuild credit.

If you’re looking to build your credit, consider secured cards. But if you want a card to use at a specific department store, compare store cards.

Frequently asked questions

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22 Comments

  1. Default Gravatar
    Jorge
    June 12, 2019

    Your card is only for use in your outlet??
    Can’t be used in restaurants or supermarket, for example?????

    • AvatarStaff
      Bella
      June 13, 2019

      Hi Jorge,

      Thanks for your inquiry.

      The Unique Platinum card can be only used at My Unique Outlet. You may use the card at My Unique Outlet to buy items such as:

      Auto supplies
      Electronics
      Health and beauty products
      Home and office products
      Jewelry
      Toys
      Collectibles
      Luggage

      I hope this clarifies.

      Kind regards,
      Bella

  2. Default Gravatar
    Veronica
    May 10, 2019

    I would like to cancel it was not an authorized transaction

    • AvatarStaff
      nikkiangco
      May 11, 2019

      Hi Veronica,

      Thanks for getting in touch with Finder! Unfortunately, we aren’t able to process your request. To cancel a credit card transaction, please contact Unique Platinum Card immediately.

      Hope this clarifies!

      With care,
      Nikki

  3. Default Gravatar
    Sahana
    May 8, 2019

    Do I have to pay the annual fee if I do t use my card?

    • AvatarStaff
      Jhez
      May 8, 2019

      Hello Sahana,

      Thank you for your comment.

      Yes, you still need to pay the annual fee even if you don’t use the card, unless you waived it.

      Regards,
      Jhezelyn

  4. Default Gravatar
    Shahana
    May 6, 2019

    I want to cancel my card.

    • AvatarStaff
      Jhez
      May 7, 2019

      Hello Shahana,

      Thank you for your comment.

      You may cancel your Unique Platinum Card and membership anytime by contacting the number above in the What to watch out for section.

      Regards,
      Jhezelyn

  5. Default Gravatar
    Adn1989
    February 18, 2019

    I need my account number. Can you please let me know how I can get that info back?

    • AvatarStaff
      Joshua
      February 19, 2019

      Hi Adn1989,

      Thanks for getting in touch with Finder. I hope all is well with you. :)

      To know your account number, you can check your statement of account. You should be able to find it there. However, if this doesn’t work, you can also directly get in touch with your provider.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  6. Default Gravatar
    T
    December 19, 2018

    Can I use my line of credit before receiving the card? If I apply today dec 19. I would like to use before Christmas dec 25

    • AvatarStaff
      nikkiangco
      December 20, 2018

      Hi T,

      Thanks for getting in touch! As with all credit card companies, you would need to have the physical card and activate it before using the credit line.
      Hope this clarifies.

      Best,
      Nikki

  7. Default Gravatar
    Brenden
    March 18, 2018

    Which credit bureaus does this card report too?

    • AvatarStaff
      Joshua
      March 24, 2018

      Hi Brenden,

      Thanks for getting in touch with finder.

      Please note that we are not affiliated with Unique Platinum Card and so we can only offer general advice.

      For this reason, we may not know which credit bureau they are using. However, in most cases, credit cards do subscribe to all major credit bureaus such as Experian and Equifax.

      I would suggest that you check with Unique Platinum Card and directly get in touch with them. They will most likely provide you the specific answer.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,

  8. Default Gravatar
    Yessamine
    October 12, 2017

    Can i pay utility bills with the unique platinum? And how long does it take for the card to come?

    • AvatarStaff
      Jhez
      October 13, 2017

      Hi Yessamine,

      Thank you for your comment.

      Unique Platinum Card does not allow you to pay utility bills. This is a store card that can be used only to shop from the online My Unique Outlet catalog. It may take approximately 10 business days from the application date to receive the card.

      I hope this helps.

      Regards,
      Jhezelyn

  9. Default Gravatar
    Adams
    September 6, 2017

    Can you use the card to shop at Walmart or any store? How long will it takes before I get the ATM card

    • AvatarStaff
      Anna
      September 7, 2017

      Hey Adams,

      Thanks for your question! Unfortunately you can’t use a Unique Platinum Card to shop at Walmart or any other physical store — you can only use it to shop online at My Unique Outlet. Since Unique Platinum is a store merchandise card, you also won’t be able to use it to withdraw money from an ATM. It sounds like you might want to check out other credit card options, which you can do here.

      I hope this was helpful!

      Cheers,
      Anna

  10. Default Gravatar
    Maiya
    August 25, 2017

    Can you with draw money at an ATM from this type of card?

    • Default Gravatar
      Liezl
      August 25, 2017

      Maiya,

      Thanks for your question. No, you cannot withdraw money from this shop card. You may only use it when doing an online shopping at My Unique Outlet. If you’re looking for a card where you can make cash advances, you may check our credit card comparison page.

      Kind regards,
      Liezl

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