We researched the New Millennium Platinum Visa/MasterCard for you and think they offer some great benefits, all while maintaining a sense of simplicity.

Star Reviews enjoyed the painless navigation process and liked how the fixed APR credit card application and terms and conditions were displayed right up front. We have to make mention that this is a secured credit card and after security deposit placement, cardholders can enjoy perks like travel and auto rental insurance, as well as the chance to earn $50 on each cardholder you refer.

• Extended warranties on qualifying purchases -Not common for secured credit lines.
• 19.5% interest rate, $59 annual fee, $20 late payment, $99.95 application fee, no Grace Period.

Our team always loves how there are fixed APR credit cards for those with imperfect credit, as all of us make mistakes once in awhile The New Millennium Platinum Visa/MasterCard doesn't offer any introductory specials for its members and the fees are certainly high, but with most secured credit cards, there aren't credit checks or employment verifications required. Telephone support was right on point, but email support took about 3 days to receive a detailed response. Overall, they earn 5.0 Stars!