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Unique Platinum Card review

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.
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Up to $239.4

Annual fee


Purchase APR (fixed)


Recommended credit score


Annual feeUp to $239.40
Annual fee conditions$29.95 application fee and $19.95 monthly benefits membership fee ($239.40 annually)
Welcome offerN/A
Purchase APRN/A fixed
Balance transfer APRN/A
Minimum Credit Score300

Review by

Kevin Joey Chen was a credit cards, banking and investments writer for Finder. His work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and

Expert review

The Unique Platinum Card is a store card that can only be used at My Unique Outlet, an online retailer. Aside from limited use, you’ll pay a high monthly membership fee of $19.95, which adds up to $239.40 annually. This is expensive, considering you won’t get as many perks as you would with other similarly priced cards. Also, you can’t build your credit with this card.

All things considered, the Unique Platinum Card should only be an option if you often shop at My Unique Outlet and you can’t get a better card.

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. Select 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.

Unique Platinum Card drawbacks

  • 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.

Unique Platinum 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

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.

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  1. Default Gravatar
    October 18, 2019

    Is The Unique Credit Card Mailed To Me? can I use the credit card for outside websites?

    • Avatarfinder Customer Care
      October 19, 2019

      Hi Robert,

      Thanks for your inquiry.

      Yes, your Unique Platinum card will be sent to you via mail. Please note that it may take approximately 10 business days from the application date to receive the card. Also, this card can only be used to shop from the online My Unique Outlet catalog.

      I hope this information helps.

      Kind regards,

  2. Default Gravatar
    June 12, 2019

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

    • Avatarfinder Customer Care
      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
      Health and beauty products
      Home and office products

      I hope this clarifies.

      Kind regards,

  3. Default Gravatar
    May 10, 2019

    I would like to cancel it was not an authorized transaction

    • Default Gravatar
      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,

  4. Default Gravatar
    May 8, 2019

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

    • Avatarfinder Customer Care
      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.


  5. Default Gravatar
    May 6, 2019

    I want to cancel my card.

    • Avatarfinder Customer Care
      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.


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