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No Fee Credit Catalog Card - $0 Fees, 0% APR, No Credit Check
REVIEW

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By : Mr Credit Card

What is No Fee Credit?

No Fee Credit is a catalog credit card from Unique Card Services that allows you to shop at their online store www.myuniqueoutlet.com. You can finance your purchases at 0% APR and there is also no fees on this card. Your starting credit limit will be either $500 or $1,000. It is very easy to get this card because there are no credit checks, employment checks or income checks. Below is a summary of 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


The table above shows the key features of this card. But there are a couple of other things to take note of.

No Credit Reporting

No Fee Credit does not report to any credit bureaus.

Can only be used at www.myuniqueoutlet.com

It can only be used at www.myunqiueoutlet.com as it is not a Visa or Mastercard.

screenshot of my unique outlet online store


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 No Fee Credit catalog card, you will be given the option to enroll in their benefit plan 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 No Fee Credit is part of Unique Card Services and since they have a few cards, I will compare it to these other cards. I will also compare it to cards from Horizon Card Services, Buy Now Pay Later apps and one particular no credit check unsecured credit card.

Card Details
No Fee Credit 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
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 (optionally upo t0 $1,000), no monthly fees and optional membership package. Examples include Edge Elite Card, Deluxe Signature Card, Next Millennium Card and Vast Platinum.

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 No Fee Credit Catalog Card and other cards from Unique Card Services and they are very similar.

  • Similar structure to No Fee Credit but with $750 credit limit
  • No fees, 0% APR and no credit checks
  • Can be used only at www.thehorizonoutlet.com (versus www.myuniqueoutlet.com for No Fee Credit)
  • No Credit Reporting - just like No Fee Credit
  • Examples include Net First Platinum, Freedom Gold Card and Group One Platinum.


Compared to other Buy Now Pay Later Apps

No Fee Credit catalog 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

I want to compare No Fee Credit Catalog card to the Arro Mastercard because it is a card that also does not perform any hard inquiries because it does not rely on FICO scores for approval.

  • No credit check but requires income verification ($1,000/month and $50 positive bank balance) via PLAID. - this is in contrast to No Fee Credit catalog card which does not check your employment or income.
  • Credit limits up to $2,500 - with No Fee Credit, you start off with $500 limit which can increase up to $1,500
  • Reports to all three major credit bureaus - No Fee Credit does not.


Unlike the No Fee Credit Catalog Card, Arro Mastercard actively builds credit history.


Pros: Good Features of No Fee Credit

  • No Fees - No Fee Credit literally has no fees.

  • No Interest - No Fee Credit does not charge any interest if you carry a balance or pay over time (ie APR is 0%).

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

  • Easy Approval - No credit checks, employment or income checks means approval is basically guaranteed.


Cons: What We don't like

  • Limited to one online store - No Fee Credit catalog card can only be used at www.myuniqueoutlet.com.

  • Does not build credit - No Fee Credit does not report to any credit bureaus

  • Separate Shipping and Processing Fee - You have to pay the shipping fee and processing separately first before you check out. It cannot be included in the total price where you can pay over time.


Our Take:

The No Fee Credit Catalog Card has (as the name of the card implies) NO FEEs. But that is not the only reason people might find it attractive. You can also pay over time at 0% and with a credit limit of either $500 or $1,000, you would have enough credit line to make some decent purchases. It is also very easy to get. Since they do not rely on FICO scores, they do not perform credit checks, employment checks or income checks. Your chances of approval are very high indeed.

But you should nevertheless check out www.myuniqueoutlet.com first to see if you will actually shop and buy stuff from the store. There are many Buy Now Pay Later apps that allow you to shop at more places and pay over time at 0% APR. You should also consider if the lack of credit reporting is an issue for you.

To sum up, based on our evaluation and review of the No Fee Credit Catalog Card, we give it a 3 stars out of 5 for it's zero fees, 0% APR financing and it's ease of approval. It's lack of credit bureau reporting and limitation to only use at one 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, there are much better options out there (which we will highlight next).


Alternative No Credit Check Credit Cards that Build Credit

Instead of the Now Platinum, we suggest the following rebuilding cards.

Sezzle - Sezzle is a Buy Now Pay Later App that allows you to shop at over 45,000 online stores and bricks and mortar retailers including stores like Nike, Target and Amazon. They offer a typical pay-in-4 payment scheme with 25% down payment and 0% interest. Sezzle also reports to all three major credit bureaus. You can read our review of Sezzle.

Arro Mastercard - Arro Card is an unsecured Mastercard with no hard inquiries (like No Fee Credit Catalog). Unlike No Fee Credit Catalog Card, they can be used anywhere Mastercard is accepted and they also report to all three major credit bureaus. It is much better than No Fee Credit. Read our Arro Mastercard review here.

Perpay - Perpay is a Buy Now Pay Later account that allows you to shop at their online partners (included many branded products). You get up to a $1,000 credit limit. Perpay requires you to pay them directly from your paycheck direct deposit and they report to all three major credit bureaus. It is best you read our review of Perpay here. It is a much better alternative to No Fee Credit Catalog Credit Line.




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


Resources

No Fee Credit Terms and Conditions.




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