- UltraVX Makes It Easy to Manage Your Finances
- Automatic Minimum Payments
- Reports to All 3 Major Credit Bureaus
- No Credit Check, No Bank Account Required
- Instant Online Approval
- Earn Rewards for iTunes, Southwest Airlines, American Airlines, JetBlue, US Air, Marriott Hotels, Hilton Hotels, and Many More with No Restrictions*
- *Subject to Terms and Conditions
Introductory APR Info
Regular APR
Annual Fee
No Introductory Rate Available
18.9%
$0
Card Review
The Ultra VX Visa® Card, issued by New Millennium Bank, is a stored value card designed for those who are looking for an above average secured card that also offers a reward program.
Most often, secured credit cards do not have any additional perks or benefits; however, this card does provide a rewards program.
With Clear Rewards, cardholders receive one point per dollar spent on purchases.
Points can be redeemed for travel rewards with Southwest Airlines, American Airlines, JetBlue, and more.
Although there is no annual fee, there is an account set up fee of $29.95.
There is also a monthly participation fee of $6.95 that amounts to $83.40 annually.
In total, cardholders can expect to pay $113.35 in fees during their first year.
This card also offers instant approval (no credit check, no minimum income, no bank account required), and reports to the major credit bureaus.
Therefore, those who are looking for an above average secured card that also offers a reward program and would like a card with limited fees may find the Ultra VX Visa® Card to be a beneficial option.
Additional Card Details
Overall Rating
5 Stars
Benefit Rating
5 Stars
Issuer
New Millennium Bank
Card Type
Visa
Card Status
Standard
Important Notations
No credit verifications.
No minimum income.
No bank account required.
Reports to all three major credit bureaus.
See website for complete terms and conditions of card usage and application disclosure.
Grace Period
25 Days (Min.)
Minimum Limit
$10
Maximum Limit
$25,000
Minimum Deposit
$10
Over Limit Fee
$25
Cash Advance Fee
$2 for ATM transactions; $5 for international ATM transactions
Balance Transfer Fee
n/app
Application Fee
$29.95
Rebate Minimum
n/app
Rebate Maximum
n/app
Additional Rebates
n/app
Mile Details
n/app
Miles Per Dollar Spent
n/app
Additional Miles
n/app
Miles Work with FF Program
n/app
Points Per Dollar Spent
1 Point
Point Details
Points can be redeemed for travel rewards with Southwest Airlines, American Airlines, JetBlue, Marriott, and more.
Additional Points
None
Approval Bonus
None
First Purchase Bonus
None
Balance Transfer Bonus
None
Other Bonus
None
Bonus Details
None
Additional Perks
Various Internet account related services.
Access to electronic bill payment.
Access to Clear Rewards.
See website for additional benefits.
