By : 
Mr Credit Card
Mr Credit CardWhat is Deluxe Signature Card?
- $0 Fees
- 0% APR on purchases
- $500 or $1,000 credit limit
- Easy Approval - No credit checks, employment checks or income checks
Card Details
| Monthly Fee | $0 |
| Optional Membership Plan | $19.95/month |
| Regular APR | 0% |
| Minimum Payment | $25 or 10% of Balance |
| Late Fee | $20 |
| Credit Limit | $500 or $1,000 |
| Credit Bureau Reporting | Does not report to credit bureaus |
Interest Rate, Fees and Credit Limits
Deluxe Signature has no fees, charges 0% APR and gives you a $500 or $1,000 credit limit.No Credit Reporting
Deluxe Signature does not report to any credit bureau.Can only be used at www.myuniqueoutlet.com
The Deluxe Signature Card can only be used at www.myunqiueoutlet.com.
Paying for your Purchases
| Payment Chart | ||
|---|---|---|
|
|
Minimum Monthly Payment | |
| From | To | |
| $0 | $24.99 | 100% of account balance |
| $25 | $166.73 | $25 |
| $166.74 | $1,500 | 15% of account balance |
You have to pay a minimum of $25 or 15% of your balance for your minimum payment. The table above shows your expected payment amount depending on the balance that you carry. Shipping and processing fees for any purchased product are required to be paid in full by the Account Holder prior to items being shipped. Shipping and processing fees are non-refundable.
Optional Membership Benefits for $19.95 a month?
- Roadside Assistance - This is provided by Signature's Nationwide Auto Club, Inc. Benefits include towing, lock-out assistance, fluid delivery, tire change, jump starts and winching.
- Unique RX Discounts - This benefit allows you to save up to 54% off prescription drugs at over 62,000 paharmacies. This is probably the best benefit as most RX programs will cost more than $19.95 a month.
- Legal Assistance - The benefit provides you access to Legal Club of America®, which is a nationwide discount legal referral service. They have thousands of attorneys in their network. As a plan member, you will have access to their attorneys who will provide certain free service and other legal services at a discounted member rate. (See details of plan here).
Competition
| Card | Details |
|---|---|
| Deluxe Signature Card |
Monthly Fee=$0 APR=0% No Credit Check Starting Limit=$500 - $1,000 |
| Vast Platinum |
Monthly Fee=$0 APR=0% No Credit Check Starting Limit=$500 - $1,000 |
| Now Platinum |
Monthly Fee=$0 APR=0% No Credit Check Starting Limit=$500 - $1,000 |
| Choice Gold Card |
Monthly Fee=$0 APR=0% No Credit Check Starting Limit=$500 - $1,000 |
| Next Millennium Card |
Monthly Fee=$0 APR=0% No Credit Check Starting Limit=$500 - $1,000 |
| Edge Elite Card |
Monthly Fee=$0 APR=0% No Credit Check Starting Limit=$500 - $1,000 |
| Pulse Platinum |
Monthly Fee=$19.95 APR=0% No Credit Check Starting Limit=$1,000 |
| Accepted Platinum |
Monthly Fee=$19.95 APR=0% No Credit Check Starting Limit=$1,000 |
| Unique Platinum |
Monthly Fee=$19.95 APR=0% No Credit Check Starting Limit=$1,000 |
| Net First Platinum |
Monthly Fee=$0 APR=0% No Credit Check Starting Limit=$750 |
| Freedom Gold Card |
Monthly Fee=$0 APR=0% No Credit Check Starting Limit=$750 |
| Choice Gold Card |
Monthly Fee=$0 APR=0% No Credit Check Starting Limit=$500 - $1,000 |
| Sezzle |
Monthly Fee=$0 APR=0% No Credit Check Reports to 3 Credit Bureau Starting Limit=Up to $2,500 |
| Arro Mastercard |
Monthly Fee=$3 APR=16% No Credit Checks Reports to 3 Major Bureaus Starting Limit=$50-$2,500 |
Compared to credit cards from Unique Card Services
Unique Card Services has many cards and they can be split into two groups. The first group offers you a $1,000 credit limit but automatically includes their membership benefits package at $19.95 a month. These cards include Accepted Platinum, Pulse Platinum and Unique Platinum (which is the original card from UCS).The second group of cards from Unique Card Services have a $500 credit limit (though they always claim you can get up to $1,000 limit) but do not charge any monthly fee. The $19.95 benefits membership package is optional. The Deluxe Signature Card falls into this category as does other cards like Deluxe Signature Card, Edge Elite Card, Next Millennium Card and No Fee Credit.
All Unique Card Services like Deluxe Signature cards only allow you to shop at www.myuniqueoutlet.com and they all do not report to any credit bureaus.
Compared to Horizon Card Services Credit Cards
Horizon Card Services is the main competitor to Deluxe Signature. Cards from Horizon Card Services have no fees, offer 0% APR, give you a $750 credit limit and also does not check your credit when you apply. They also have their own proprietary online store which is www.thehorizonoutlet.com and also do not report to any credit bureaus.Examples include Net First Platinum, Freedom Gold Card and Group One Platinum.
Compared to other Buy Now Pay Later Apps
Deluxe Signature Cards faces arguably their toughest competition from new Buy Now Pay Later apps that also offer 0% financing with Pay-in-4 payment schemes. BNPL apps also tend to have thousands of retail store partners and offers so much more choices for products to buy compared to Deluxe Signature Card.Some like Sezzle even report to all three major credit bureaus and is good for credit building.Compared to unsecured no credit check credit cards
I also want to compare the Deluxe Signaure Card to Arro Mastercard because it also does not perform any hard inquiries as they do not rely on FICO scores for approval. They do however require a minimum monthly income of $1,000 and a $50 postitive bank balance. Arro is better than Deluxe Signature because it is a Mastercard and can be used anywhere and they also report to all three major credit bureaus.Pros: Attractive Features
- No Fees - Deluxe Signature Card does not charge any monthly fees. They used to charge a $19.95 monthly fee for their membership benefits package but they have since made this optional rather than mandatory.
- 0% APR - Deluxe Signature does not charge any interest rate if you carry a balance and pay over time on your purchases. This is in line with most BNPLs.
- Decent credit limit - Deluxe Signature has a $500 to $1,000 credit limit, which I think is very decent.
- Ease of Approval - With no credit check, employement or income check, it is very easy to get approved.
Cons: What to Be Aware Of
- Limited to one online store - The Deluxe Signature can only be used at www.myuniqueoutlet.com.
- No Credit Reporting - Deluxe Signature card does not report to any credit bureasus.
Our Take: No Fees, 0% APR but has limitations
However, you have to bear in mind that Deluxe Signature does not report to any credit bureaus so you cannot build or rebuild your credit score. Furthermore, there are lots of Buy Now Pay Later apps that also offer 0% APR financing but allow you to shop at so much more stores (both in-store and online). There is simply more stores and products to choose from with other BNPL apps compared to Deluxe Signature.
To sum up, based on our evaluations and reviews, we are giving the Deluxe Signature card a 3 stars rating out of 5 for it's 0% APR financing, lack of fees, easy approval and decent credit limits. It's lack of credit reporting and limitations of being only able to shop at one online store prevents us from giving it a higher rating. If you are looking for a Buy Now Pay Later and 0% financing, there are many other BNPL apps that allow you to shop and finance your purchases at more stores than Deluxe Signature.
Alternative for Deluxe Signature
Sezzle - In my opinion, Sezzle is a much better alternative to Deluxe Signature Card because you get the same benefits like no fees, 0% APR, easy approval, but in addition, Sezzle has over 45,000 merchant partners and they also report to all three major credit bereaus so timely payments on your purchases help your credit history. Read our review of Sezzle here.
Arro Mastercard - Another great alternative to to the Deluxe Signature is the Arro Mastercard. Like Deluxe Signature, Arro does not rely on FICO scores for approval and hence does not perform any hard inquiries. But unlike Deluxe Signature, you do need a minimum monthly income of $1,000 and a postive bank balance of at least $50 to get approved. But because it is a Mastercard, you can use it anywhere and they also report to all three major credit bureaus. If you are considering the Deluxe Signature, I would suggest you give Arro a shot instead. Read our Arro Mastercard review here.
Perpay - Perpay is another BNPL app that reports to credit bureau and I think is better than Deluxe Signature. The Perpay account allows you to shop at their online partners (included many branded products). Perpay does not charge any fees and they offer you a $1,000 credit line. Perpay is able to offer such favorable terms because they require you to pay them directly from your paycheck direct deposit. Perpay reports to all three major credit bureaus. It is best you read our review of Perpay here. It is a much better alternative to Now Platinum.
FREQUENTLY ASKED QUESTIONS
Does Deluxe Signature Report to Major Credit Bureaus?
Does Deluxe Signature Report to Major Credit Bureaus?
They used to report to TransUnion but no longer report to any credit bureau.
What credit limit will I get?
What credit limit will I get?
Your starting credit limit will be either $500 or $1,000. Most will get a $500 starting credit limit.
Which credit report does Delux Signature Card pull when we apply?
Which credit report does Delux Signature Card pull when we apply?
There is no hard inquiries.
Where can I use Deluxe Signature?
Where can I use Deluxe Signature?
You can use Now Platinum at www.myuniqueoutlet.com
When will I get my card after I get approved?
When will I get my card after I get approved?
Normally within 7 business days.
What is the minimum payment?
What is the minimum payment?
You either have to pay $25 a month or 15% of the balance.
Customer Contact Information
PO Box 757
Hopwood, PA 15445
Phone Number (Customer Support)
1-888-805-7648How to Apply?
