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USA Gold Optimum

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With the USA Optimum Gold card users can enjoy guaranteed approval, no employment verifications and a $12,500 unsecured Gold credit line.

Intro APR: n/a
Annual Fee: $149.95

Intro Period: n/a
Type of Reward: n/a

Information

The USA Optimum Gold, issued by USA Credit, is designed for those with poor to limited credit who are looking to establish or re-establish credit. Although there is a $149.95 account set-up fee, it is considered reasonable as compared to similar products designed to establish credit, which can charge fees ranging anywhere between $200 and $400 for the first year of membership. In addition, there is no annual fee and no interest rate on purchases. Anyone who applies will be accepted based on the issuer`s "No Credit Check or Credit Turndowns" policy, though certain restrictions do apply (see website for details). Those who become active members will be glad to know that transactions will be reported to a major credit bureau as an unsecured card. Cardholders will also have access to a *free 30-day trial offer for the Elite Membership Status privileges, which include credit report access, roadside assistance, a health prescription discount card, and more. At the end of the thirty-day period, your bank account will be debited in the amount of $19.95 and every month thereafter in which you maintain your Elite Membership Status. You may cancel your Elite service at any time. If the cardholder maintains their Elite Membership Status in good standing for a minimum of six months, they will be eligible to receive a *free $50 gift card. So what`s the catch? The major drawback of the product is that it can only be used for retail purchases through the USA Shopping Club. In essence, it is a retail charge card that can only be used for select purchases and/or services. However, this may or may not be a drawback for certain individuals. Therefore, those looking for a low cost option to establish or re-establish credit and do not require a card for general everyday purchases will find the USA Optimum Gold to be more than adequate.

Card Issuer	Merchant	Card Category	Reward Type
USA Credit	USA Credit	Catalog	n/a

Intro APR	Intro APR Period	Regular APR	CashAdv APR	Annual Fee	Other Fees
n/a	n/a	n/a	n/a	$149.95	$

Min Credit	Max Credit	Grace Period	1st Year Annualfee Free?
$n/a	$n/a	n/a days	n/a

Sign up bonus	Others
n/a