Edge Elite Card - 0% APR, $0 Fees , No Credit Checks
REVIEW

What is Edge Elite Card?

The Edge Elite Card is a Buy Now Pay Later credit card from Unique Card Services which offers 0% APR financing from products purchased from their online store www.myuniqueoutlet.com. The card is very easy to get approved for because they do not check your credit, employment or income. New cardholders will be given a credit limit of between $500 and $1,000. Below are it's key highlights:

• $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

No Fees, 0% APR and Credit Limit?

The Edge Elite Card is a no fee card that does not charge any interest rate (ie 0% APR) when you finance your purchase. Most cardholders will get an initial credit limit of $500 though $1,000 is the maximum.

Very Easy Approval

The Edge Elite card will definitely approve your application as long as you fill in the correct details because they do not check your credit, employment or income.

No Credit Bureau Reporting

The Edge Elite Card does not report to any credit bureaus and will not help you build or rebuild your credit.

Can only be used at www.myuniqueoutlet.com

The Edge Elite Card can used at www.myunqiueoutlet.com.

Paying for your Purchases

Payment Chart
Account Balance		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?

After you are approved for the Edge Elite Card, you will be given the option to enroll in their benefit plan package for $19.95 a month. These include:

• Roadside Assistance - The emergency roadside assistance 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

The Vast Platinum is issued by Unique Card Services (UCS). UCS has other credit cards that are similar to Vast Platinum and I will highlight some of those cards. Their biggest competitor are credit cards from Horizon Card Services, which is very similar to them. I will also compare Vast Platinum with other Buy Now Pay Later apps as well as an unsecured credit card that does not perform any credit checks.

Card	Details
Edge Elite 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
Deluxe Signature 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.

Group 1 - Cards with $1,000 credit limits and a mandatory $19.95 membership fee. These cards include Accepted Platinum, Pulse Platinum and Unique Platinum (which is the original card from UCS).

Group 2 - Cards with $500 credit limits (optionallly upo t0 $1,000), no monthly fees and optional membership package. Examples include Edge Elite Card, Deluxe Signature Card, Next Millennium Card and No Fee Credit.

Key Features

• Usable only at www.myuniqueoutlet.com
• Do not report to credit bureaus

Compared to credit cards from Horizon Card Services

Horizon Card Services is the main competitor to Edge Elite Card and other cards from Unique Card Services and they are very similar.

• Similar structure to Edge Elite but with $750 credit limit
• No fees, 0% APR and no credit checks
• Can be used only at www.thehorizonoutlet.com
• Do not report to credit bureaus
• Examples include Net First Platinum, Freedom Gold Card and Group One Platinum.

Compared to other Buy Now Pay Later Apps

Edge Elite Card also faces a lot of competition from Buy Now Pay Later apps, which share many similar features.

• Approval Process - No hard credit checks
• Financing Terms - Typically 0% APR with Pay-in-4 payment plans ($25% down with biweekly payments).
• Credit Reporting - Most do not report to credit bureaus but some like Sezzle do.
• key Difference - Other BNPLs allow you to use it at thousands of retailers (both in-store and online).

Compared to unsecured no credit check credit cards

One example would be the Arro Mastercard.

• No credit check but requires income verification ($1,000/month and $50 positive bank balance) via PLAID.
• Credit limits up to $2,500
• Reports to all three major credit bureaus

Unlike Edge Elite Card, Arro Mastercard actively builds credit history.

Pros: What We Like About Edge Elite Card

• No Fees - The Edge Elite Card has no monthly fees unless you opt in for their $19.95 benefits package


• 0% APR - Financing without interest rates make it appealing for those managing balances


• Decent credit limits - In my opinion, $500 to $1,000 is a very decent credit limit.


• Easy Approval - No credit, income, or employment checks ensure guaranteed approval.

Cons: What We don't like

• Restricted Use - Edge Elite Card can only used at www.myuniqueoutlet.com, limiting it's use compared to it's Buy Now Pay Later peers.


• Does not report to credit bureaus - Payments on your card will not help credit building unlike alternatives like Sezzle and Arro Mastercard.

Our Take:

While the Edge Elite card may appeal to those with limited credit options due to its easy approval, 0% APR and lack of fees, it is essential to weigh the limitations. The inability to use it outside their store and lack of credit reporting are significant drawbacks.

Alternatives like Sezzle provide much better value by allowing you to shop at most retail stores while also offering 0% APR financing and credit building opportunitites by reporting to all three major credit bureaus.

To sum up, based on our evaluation and review of the Vast Platinum, we give it a 3 stars out of 5 for it's absence of fees, 0% APR financing and decent $500 credit limit. It's lack of credit bureau reporting and limitation to only be able to shop at their proprietary online store prevents us from giving it a higher rating. If you are looking for a Buy Now Pay Later card with 0% APR financing, the Vast Platinum is an option though there are much better BNPL apps out there.

Alternative No Credit Check Credit Cards that Build Credit

Instead of the Edge Elite card, we suggest the following rebuilding cards.

Sezzle - Sezzle is a Buy Now Pay Later App that allows you to shop at thousands of online stores and bricks and mortar retailers. Sezzle is also better because they also reports to all three major credit bureaus. You can use Sezzle at over 48,000 participating merchants including Amazon, Target, Nike etc. Read our review of Sezzle.

Arro Mastercard - Arro Card is an unsecured Mastercard with no hard inquiries, can be used anywhere Mastercard is accepted and helps you build pr rebuild your credit by reporting to all three major credit bureaus. Read our Arro Mastercard review here.

Perpay - Perpay is more similar to Edge Elite Card. The Perpay account allows you to shop at their online partners (included many branded products). They also do not charge any fees and the credit limit is $1,000. 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.

FREQUENTLY ASKED QUESTIONS

Does Edge Elite Card Report to Major Credit Bureaus?

Does Edge Elite Card Report to Major Credit Bureaus?

What credit limit will I get?

What credit limit will I get?

Which credit report does Edge Elite pull when we apply?

Which credit report does Edge Elite pull when we apply?

Where can I use Vast Platinum?

Where can I use Vast Platinum?

When will I get my card after I get approved?

When will I get my card after I get approved?

What is the minimum payment?

What is the minimum payment?

Does Elite Edge Card offer free shipping?

Does Elite Edge Card offer free shipping?

Customer Contact Information

Mail

Unique Card Services
PO Box 757
Hopwood, PA 15445

Phone Number (Customer Support)

1-888-805-7648

Email

memberservices@uniquecardservices.com

How to Apply?

Below is the application page for Now Platinum. Simply fill in your details and proceed.