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Vast Platinum with $0 Fees, 0% APR, Up to $1,000 Credit Limit and No Credit Checks
REVIEW

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What is Vast Platinum?

Vast Platinum is a Buy Now Pay Later catalog credit card from Unique Card Services that allows you to shop at their online store www.myuniqueoutlet.com. Cardholders will be given a $500 or $1,000 credit limit and charged 0% APR on their balances if they carry a balance from their purchases. There are no fees on the card. Approval is very easy because Vast Platinum does not check your credit, employment or income. 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


Interest Rate, Fees and How Much Credit Limit You Get?

Like most Buy Now Pay Later Apps, Vast Platinum does not charge any interest rate when you carry a balance (ie APR is 0%). They also do not charge any fees. You will either be given a $500 or $1,000 credit limit

Very Easy Approval

Vast Platinum is very easy to get approved and that is because they do not check your credit, income or employment. You will definitely be approved as long as you fill in the application form with your correct details.

But does not report to Credit Bureaus

Vast Platinum does not report to any credit bureau. This is common is "most" Buy Now Pay Later apps. Hence, you cannot build or rebuild your credit with Vast.

Can only be used at www.myuniqueoutlet.com

The Vast Platinum can used at www.myunqiueoutlet.com. This is the online store of Unique Card Services.

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 Vast Platinum, 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 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
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
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. 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 Vast Platinum falls into this category as does other cards like Deluxe Signature Card, Edge Elite Card, Next Millennium Card and No Fee Credit.

All of these cards only allow you to shop at www.myuniqueoutlet.com and they all do not report to any credit bureaus.

Compared to credit cards from Horizon Card Services

Horizon Card Services is the main competitor to Vast Platinum and other cards from Unique Card Services and they are very similar. 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. Cards from Horizon Card Services can used at www.thehorizonoutlet.com (which is their proprietary online store) and like Vast Platinum, Horizon Card Services cards 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

Vast Platinum also faces a lot of competition from Buy Now Pay Later apps. These BNPL apps also do not perform hard credit inquiries and are easy to get approved. They also offer 0% APR financing and the most common payment scheme is the Pay-in-4 where you pay 25% down when you check out and 25% of the purchase amount every 2 weeks and you finish paying for your purchases in a total of 6 weeks. Unlike Vast Platinum, most BNPL apps have thousands of branded merchant partners and retailers and you can use them both in-store and online. Some like Sezzle even report to all three major credit bureaus.

Compared to unsecured no credit check credit cards

The Vast Platinum does not perform any credit checks and gives you an unsecured credit line. So I think it is worth comparing it to the Arro Mastercard which is a rare unsecured credit card that does not check your credit. However, unlike Vast Platinum, they do perform income checks (need a minumum of $1,000 to get approved and also a $50 positive bank balance) via PLAID to approve you. Credit limits max out at $2,500 and they do report to all three major credit bureaus.


Pros: What We Like About Vast Platinum

  • No Fees - The Vast Platinum 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 - Like most Buy Now Pay Later apps, Vast Platinum does not charge any interest rate when you carry a balance on your purchases.

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

  • Very Easy to Get Approved - Vast Platinum is extremely easy to get approved for because they do not check your credit, employement or income. This will be very appealing to those with very poor credit looking for an unsecured credit line.


Cons: What We don't like

  • Can only be used at www.myuniqueoutlet.com - The main downside to Vast Platinum is that you can only purchase stuff from www.myuniqueoutlet.com. This is in contrast to most other Buy Now Pay Later apps that have thousands of partnerships and allow you to shop at most regular stores and online stores as well.

  • Does not report to credit bureaus - Like most Buy Now Pay Later apps, Vast Platinum does not report to any credit bureaus. Hence, having this card will not help you rebuild or build your credit.


Our Take:

I can understand why the Vast Platinum may appeal to some of you. They do not check your credit score, income or employement and will definitely approve you. There is also no monthly fee and you can finance your purchases with 0% APR. The $500 or $1,000 credit limit is also very decent. Before you pull the trigger, I would suggest that you check out their online store www.myuniqueoutlet.com and see if there are any products and stuff that you will purchase. Remember that Vast Platinum is not a Visa or Mastercard and can only used at www.myuniqueoutlet.com and not anywhere else. It is essentially a closed loop merchandise online store card.

Another thing that you have to remember is that Vast Platinum does not report your payments to any of the three major credit bureaus. Hence, you will not rebuild or build your credit with this card.

There are many better alternatives to the Vast Platinum. For example, most Buy Now Pay Later apps today also do not check your FICO score, is easy to get approved and offer 0% financing with pay-in-4 payment schemes. They can also be used at thousands of stores (unlike Vast Platinum) and some like Sezzle also report 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 Now Platinum, 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. In contrast Vast Platinum only allows you to shop at www.myuniqueoutlet.com. Sezzle offers the typical pay-in-4 payment scheme with 25% down payment and 0% interest. Vast Now Platinum, Sezzle charges no fees. But 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 (like Vast Platinum). Your credit limit can be as high as $2,500. The APR is only 16%. Arro is also better than Vast Platinum because it is a Mastercard and can be used anywhere Mastercard is accepted. They also report to all three major credit bureaus (which Vast Platinum does not). Read our Arro Mastercard review here.

Perpay - Perpay is more similar to Now Platinum. The Perpay account allows you to shop at their online partners (included many branded products). Like Vast Platinum, they also do not charge any fees. You can also get up to a $1,000 credit limit (like Vast Platinum). 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.


Consumer Reviews

I got the Vast Platinum thinking it was a credit card but it is not a true credit card. You can only use it at their online store. You get a $1000 credit line and you pay $19.95 a month. I watched my credit reports every month for about 3 months but they do not report to any. So I cancelled after that.


I got this with $1,000 credit limit. But I found nothing that I really wanted to buy from the online store. So I cancelled the card.


Vast Platinum gives you $1k in credit limit but you have to pay $19.95 a month in fees. The online shop is myuniqueoutlet.com. Products are mostly unbranded except for some perfume and beauty products. There is also no free shipping. Don't get this card. You would be better downloading and using a buy now pay later app.


I got a charge from Unique Card Services from my bank account for $19.95. I did not even apply for it. I searched for their contact info and called them. I had to give them docs about my iD and address for verification. It turns out that an account was fraudulently opened. My name matched but not my address. My account was then closed and I got refunded.


My bank statement showed that a unique card services deducted $19.95. I don't know who they are and after trying to contact them, I decided file a complaint to BBB and not long after that, they reached out and resolved everything. Turns out that the account was opened without my permission and there were discrepancies in the address.



FREQUENTLY ASKED QUESTIONS

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Does Vast Platinum Report to Major Credit Bureaus?

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Does Vast Platinum Report to Major Credit Bureaus?

They used to report to TransUnion but no longer report to any credit bureau.

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What credit limit will I get?

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What credit limit will I get?

Your starting credit limit will be either $500 or $1,000.

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Which credit report does Vast Platinum pull when we apply?

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Which credit report does Vast Platinum pull when we apply?

There is no hard inquiries. Every applicant is approved for an unsecured $1,000 credit line.

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Where can I use Vast Platinum?

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Where can I use Vast Platinum?

You can use Vast Platinum at www.myuniqueoutlet.com

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When will I get my card after I get approved?

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When will I get my card after I get approved?

Normally within 7 business days.

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What is the minimum payment?

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What is the minimum payment?

You either have to pay $25 a month or 15% of the balance.


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 Vast Platinum. Simply fill in your details and proceed.
vast platinum application vast platinum application vast platinum application


Resouces: Old Vast Terms and Conditions