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Unique Platinum Card

Cory Santos

| Last updated on November 17th, 2023

Unique Platinum Card

Unique Platinum Card
Poor-No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Poor / No Credit Required
None Processing Network
None Annual Fee

Unique Platinum Card

At a Glance

The Unique Platinum Card is a merchandise card for people that struggle to find a traditional credit card. The card is unsecured, meaning successful applicants receive access to $1,000 in credit lines to Unique’s online portal.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • $1000 Credit Limit
  • No Credit Checks
  • Instant Approval
  • 0% Financing
  • Late Payment Penalty Fee: $10
  • Return Payment Penalty Fee: $30
  • You have a hard time finding a regular credit card for their credit profile
  • You're new to credit
  • You don’t have the available cash for a security deposit for a secured credit card
  • You want a significant credit line to purchase brand-name merchandise and electronics

Unique Platinum Card Review

The Unique Platinum Card is a merchandise and catalog card for people with bad credit or no credit history.

No Credit Check Required

The Unique Platinum Card is like other merchandise cards in that it requires no credit checks or employment checks to qualify. Unique says they are a credit platform designed for people with little to no credit history. According to the company, no applications are denied due to a poor FICO score or limited credit history.

One of the benefits of this wide acceptance is that it offers the perfect platform for someone who faces difficulties getting a regular credit card but wants to raise their credit score. And since Unique regularly reports to the major credit bureaus, it can help build a positive credit history with on-time payments.

$1,000 Unsecured Credit Line

Like other catalog cards, the Unique Platinum offers an unsecured credit line – meaning no security deposit is required. Unlike other cards, however, that credit line is $1,000, for use at, the company’s online shopping marketplace. The My Unique Outlet online store has a huge selection of name brand electronics, fragrances, and supplies for the home and kitchen.

Other cards, like the various Horizon Services cards, or the Fingerhut Card, offer lower credit lines. With the Horizon cards, this credit line is only slightly smaller ($750 vs. $1,000), while with the Fingerhut Card, the difference is much more pronounced.

This specific-site credit line makes cards like the Unique Platinum, Fingerhut, or Boost Platinum different from regular credit cards, like the Citi Custom Cash℠ Card, Citi Simplicity® Card, Citi® Diamond Preferred® Card, or Chase Freedom Flex

Monthly Membership Fee

The Unique Platinum Card features a monthly membership fee of $19.95. This membership fee auto-debits monthly and shows on bank statements as UNIQUE CARD SERVICES™ Membership Fee. Cardholders membership at any time by calling 1-888-805-7648 or emailing [email protected],

This membership plan offers access to members-only discounts and Roadside Assistance. Here, the Unique Card suffers vs. the Horizon Services offerings, which provide a much greater array of benefits for a lower monthly membership fee.

Other Popular Options to Consider

BOOST Platinum Buy On Trust Fingerhut
Credit needed Bad Credit, No Credit? No Problem All credit scores welcome Bad credit welcome
Credit check No No No
Credit line $750, unsecured Up to $5,000 approval $300 (to start)
APR 0% 0% 29.99% fixed
Store features Household, clothing, appliances, toys, clothing, gifts, & more All the big brand-name laptops, TVs, and more from Best Buy Digital catalog of electronics, household, kids toys, gifts, and more

No Purchase APR

Merchandise cards are a decent option because they don’t feature any interest charges on purchases. They may charge a monthly membership fee, but for applicants that want to purchase the goods on offer, the $19.95 price is much more preferable to sky-high interest rates, which could cause crushing debt and difficulty paying back.

Not Available Everywhere

Please note that the Unique Platinum Card is not available in the following U.S. states:

Indiana Wisconsin Vermont

Unique Card Ratings

Here are the leading reviews and ratings for the Unique Platinum Card and Unique Card Services, the parent company:

Should You Apply for the Unique Platinum Card?

The Unique Platinum Card is an excellent option for those struggling to find a traditional credit card. Although it does not function as a conventional credit card, it does provide a shopping platform for consumers – in addition to a $1,000 credit line at that can be used at this portal (My Unique Outlet).

That outlet has a smaller number of products than the Horizon Outlet. However, the Unique items are of a higher-end quality – including leading names in electronics, fragrances, and more.

There are no credit checks or employment checks, meaning you will not see a hard inquiry hit your credit report after applying. Cardholders only need to pay for the purchases they make with their Unique Platinum Card. If that sounds like an easy proposition, then the card might be the right option for you.

Note: Unique Platinum is not available to residents of Wisconsin, Vermont, or Indiana  

The information related to Citi Custom Cash Card, Citi Double Cash Card, Citi Simplicity Card, and Citi Diamond Preferred Card has been collected by and has not been reviewed or provided by the issuer or provider of this product or service.

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