We are not offering Unique Platinum on our site because they do not report to credit bureaus. Here are lower cost alternatives that report to credit bureaus.
Sezzle
Sezzle is a Buy Now Pay Later app and is a great alternative to Unique because:
- Sezzle reports to all three major credit bureaus whereas Unique Platinum does not
- Sezzle has no fees whereas Unique Platinum charges quite a hefty monthly fee
- Sezzle has over 48,000 merchant partners including Amazon and Target whereas Unique Platinum has limited unbranded products at their proprietary online store www.myuniqueoutlet.com
- Like Unique Platinum, Sezzle has no credit checks
- Like Unique Platinum Card, you pay 0% APR for your Pay-in-4 installment option
Read our review of Sezzle here.
Arro Card
Apply Here
Arro is an unsecured Mastercard that does not perform any hard inquiry because it does not rely on FICO scores to approve you. Instead they rely on your monthly income. You need to have a monthly income of at least $1,800 to be approved (you would need to link your bank account to Arro via PLAID for them to verify this). This is a much better card than Unique Platinum because:
- It is a Mastercard that is accepted almost everywhere. In contrast, Unique Platinum is only accepted at www.myuniqueoutlet.com
- It has a monthly fee of $3/month. In contrast Unique Platinum has a monthly fee of $19.95
- Unique Platinum has limited and crappy products at their online store whereas you can shop anywhere with Arro
- Both Arro and Unique Platinum does not perform any hard inquiries
- Arro Mastercard reports to all three major credit bureaus whereas Unique Platinum does not
Extra Card
Apply Here
The Extra Debit Card is much better than the Unique Platinum because:
- Extra has lower fees ($149 annual fee vs $239.40 total fees at $19.95/month for Unique Platinum).
- Extra Debit Card can be used anywhere Mastercard is accepted whereas you can only use Unique Platinum at www.myuniqueoutlet.com
- Extra Debit Card reports to Equifax and Experian whereas Unique Platinum does not report to any credit bureaus.