Accepted Platinum - Get a $1,000 Credit Limit and More

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Key takeaways

Accepted Platinum offers a $1,000 credit limit, providing users with a substantial amount of credit.
Cardholders gain exclusive access to MyUniqueOutlet, an online store with a large array of high-quality products.
Accepted Platinum comes with a number of benefits including $25 reward dollars every month and prescription discounts.

When you have very bad credit, say in the 400s, it can be challenging to find a credit card. You may have even been turned down by secured credit cards. With fewer options available and rejections around every corner, it can feel like you’re constantly being penalized for past mistakes. That’s where cards like Accepted Platinum step in.

The Accepted Platinum Card is a store card issued by Unique Card Services that promises never to turn anyone away due to their credit score. Instead, they offer a chance to get a $1,000 credit line, $25 Reward Dollars every month, and additional perks, rare for cards aimed at people with poor to limited credit.

Let’s dive deeper into its features and explore if Accepted Platinum is for you.

What we like about Accepted Platinum

Our favorite card

Accepted Platinum is a retail card that can exclusively be used at MyUniqueOutlet. While this might seem like a limitation at first glance, it is important to note that the online store offers a vast and diverse selection of high-end quality items. These products include offerings from leading and renowned names in electronics, fragrances, fashion, home goods, and more. This ensures that customers have access to premium products across various categories, catering to a wide range of preferences and needs.

Furthermore, MyUniqueOutlet is committed to keeping its inventory fresh and appealing. The store frequently updates its product lineup, introducing new items regularly. This means that, as a cardholder, you are likely to find new and exciting items worth purchasing each time you go online. Whether you are looking for the latest tech gadgets, luxury perfumes, stylish clothing, or elegant home decor, MyUniqueOutlet is a reliable destination for high-quality products.

We have a card for you!

Apply online for Accepted Platinum and get approved in 60 seconds! No hard credit check, no interest, and an initial $1,000 credit line.

Apply Now

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Get a $1,000 credit line

An initial credit line of $1,000 is a compelling incentive. It is challenging to find such a substantial credit line in cards designed for individuals with poor or limited credit histories. Many credit cards targeting this demographic often offer much lower credit limits of only $300 to $500.

The high credit line makes the Accepted Platinum card stand out in the market. Its generous credit line provides cardholders with more purchasing power and flexibility. This can be especially beneficial for managing larger expenses. It offers a financial cushion that is not typically available with other credit cards for those with similar credit profiles.

This advantage makes the Accepted Platinum card a unique and attractive option for those seeking to improve their financial standing.

All credit welcome

Accepted Platinum promises that your application will not be denied due to bad credit, making it an accessible option for many individuals. It does not even conduct a hard credit check. This means your credit score will not take a hit when you apply. It’s not even a factor in your application.

The lack of a credit check is a key advantage of this card. It is particularly beneficial for those who are concerned about the potential negative impact on their credit score from multiple credit inquiries. Or anyone who has a very low credit score and feels like they don’t qualify for other cards.

Additionally, Accepted Platinum will even consider applicants who have had a past bankruptcy. This inclusivity sets the card apart from many other credit products that often reject applicants with such significant blemishes on their credit history.

Accepted Platinum’s all-inclusive approach makes it a true lifeline for people with bad credit who have been turned down in the past by other credit card issuers. This inclusive and supportive approach underscores the card’s commitment to helping those in need of a second chance.

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Find instant approval

Accepted Platinum understands the urgency when you need a line of credit and addresses this by offering instant approval for applicants. This means you won’t have to endure the anxiety and frustration of waiting weeks to get a decision on your application. Instead, within just 60 seconds, you will receive an immediate response regarding your application status. This rapid turnaround time is particularly beneficial for individuals who find themselves in urgent need of credit, providing them with the quick assurance they require.

Moreover, once you are approved, the process continues to be swift and efficient. Accepted Platinum ensures that it won’t take long for you to receive your card. This expedited service means you can start taking advantage of your credit line almost immediately without unnecessary delays. Accepted Platinum’s prompt processing ensures that you are not left waiting.

This commitment to speed and efficiency highlights Accepted Platinum’s dedication to customer satisfaction. By providing instant approval and fast card delivery, they cater to the needs of individuals who value quick and reliable service. This approach not only enhances the overall customer experience but also positions Accepted Platinum as a responsive and customer-focused option in the competitive credit card market.

Great Card, Good Service

“I have nothing but positive things to say about UniqueCard Services. I have never had a problem with them. All of my transaction and banking needs have been handled effortlessly. I never have to worry about having any issues with this company. I would recommend.” Clara S.

Celebrate Accepted Platinum’s amazing benefits

Accepted Platinum offers an impressive array of benefits to its members, designed to help you save money and provide peace of mind. These benefits encompass a range of services that cater to various needs, ensuring that members are well-supported in different aspects of their lives.

24/7 roadside assistance

Roadside assistance is available anywhere within the United States, Canada, or Puerto Rico. This benefit covers all types of vehicle disablement services, including towing, jump starts, tire changes, fuel delivery, winching, and basic locksmith services. Whether you encounter a flat tire on a remote highway or run out of fuel in an unfamiliar area, you can rely on this comprehensive roadside assistance to get you back on the road quickly and safely.

Legal assistance

You have access to a legal call center staffed by professionals who operate from Monday through Friday, 6 a.m. to 5 p.m. If you ever find yourself in need of legal guidance, you can call this center to receive help, either for free or at a discounted rate. This service provides a crucial resource for navigating legal challenges, offering peace of mind and valuable support when you need it most.

Unique Rx

Healthcare expenses can be daunting, but Accepted Platinum helps ease this burden through its prescription discount program, Unique Rx. With this benefit, members can purchase prescriptions at participating pharmacies for the lowest possible cost, saving up to 90% off prescriptions. This significant discount can make a substantial difference in your healthcare budget, ensuring that necessary medications are more affordable and accessible.

Overall, Accepted Platinum’s benefits package is designed to offer practical solutions and financial savings, enhancing the overall value of membership. From roadside assistance and legal support to substantial prescription discounts, these benefits provide comprehensive coverage and peace of mind, making Accepted Platinum a valuable resource for its members.

Get $25 in rewards every month

Accepted Platinum even offers an enticing benefit of $25 in Reward Dollars every month to its members. This generous monthly reward can be utilized in over 500,000 different ways, providing incredible flexibility and opportunities for savings. Whether you prefer shopping locally or online, these Reward Dollars can significantly enhance your purchasing power.

You can use the Reward Dollars to save on a wide array of options, including your favorite restaurants, where you can enjoy delicious meals at a discounted price. If you love to travel, these Reward Dollars can also be used to reduce costs on travel expenses, making your trips more affordable and enjoyable. Additionally, the Reward Dollars can be spent on various entertainment options, allowing you to have fun without straining your budget.

Whether you’re buying groceries, clothing, electronics, or gifts, the savings provided by the Reward Dollars can add up over time, contributing to a more financially rewarding experience. This monthly benefit underscores Accepted Platinum’s commitment to providing value and enhancing the overall member experience, making it a highly attractive feature of the card.

Enjoy a 0% APR

The Accepted Platinum Card stands out with its unique and highly advantageous feature of a 0% APR. This means that cardholders will never accrue interest on their balances, providing significant financial relief for those who typically carry a balance from month to month. The absence of interest charges allows you to focus on paying down your principal balance without the burden of additional costs, which can quickly add up with other credit cards.

Instead of high interest rates, Accepted Platinum requires cardholders to make low minimum monthly payments, which are set at 10% of your balance or $25, whichever amount is greater. This manageable payment structure ensures that you can stay on top of your payments without feeling overwhelmed by large monthly dues. It offers a more predictable and budget-friendly way to manage your finances, making it easier to plan your expenses and repayments.

What to watch out for with Accepted Platinum

Find a few fees

Like all credit cards, the Accepted Platinum Card does come with its set of fees. One of the primary fees is a monthly membership cost of $19.95. This fee grants access to the card’s numerous benefits and services. While this fee is an important consideration, it’s crucial to weigh it against the valuable features and savings the card offers, such as the $25 in Reward Dollars each month, 0% APR, and extensive roadside assistance.

It’s essential to thoroughly read and understand the terms and conditions associated with the card. By doing so, you’ll gain a clear understanding of the complete fee structure and ensure that you can comfortably manage these costs before deciding to apply. Being well-informed helps prevent any surprises and enables you to make a sound financial decision.

Overall, while the Accepted Platinum Card does have fees, its unique benefits and potential savings can outweigh these costs for many users, especially those who utilize the card’s features effectively and manage their credit responsibly.

Want a Rewards Card?

Checkout Accepted Platinum. Apply online and get a credit limit of up to $1,000, $25 monthly Reward Dollars, and more.

Apply Now

Bottom line

There’s a lot to love about the Accepted Platinum Card, from its high acceptance rate to the generous $25 in Reward Dollars provided every month. One of the most notable features of this card is its accessibility; it offers approval to individuals who might struggle to obtain traditional credit cards due to bad credit or past financial difficulties.

While the Accepted Platinum Card does not function as a traditional credit card, it offers an impressive $1,000 line of credit specifically for use at MyUniqueOutlet. This substantial credit line can be used to purchase a wide array of high-quality items from the store, which frequently updates its product selection to include leading names in electronics, fragrances, and more. The ability to shop from such a diverse range of products adds significant value to the card.

Moreover, the card’s additional benefits, such as 0% APR, roadside assistance, legal call center access, and prescription discounts, make it an attractive choice for those who need more than just a line of credit. These perks can help cardholders save money and provide peace of mind, further enhancing the card’s appeal.

If you need a credit card and are looking for one with substantial perks despite having bad credit, the Accepted Platinum Card is certainly worth considering. Its combination of a high acceptance rate, valuable rewards, and extensive benefits makes it a unique and beneficial financial tool for those seeking to improve their financial situation.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

2. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

3. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

5. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC

6. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Qualifying Deposits into your Current Account over the preceding 30-day period. For more information, please refer to Fee-free Overdraft Terms and Conditions.

7. You may earn Points in connection with your everyday spending and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. The Current Points program is not available to Teen Account holders. See Current Points Terms and Conditions.

8. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

9. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. For more information, please refer to Current Boost Terms and Conditions.

10. Cryptocurrency services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC, and may not be available in all states. Terms and conditions apply. When you buy or sell cryptocurrency, a difference between the current market price and the price you buy or sell that asset for is called a spread. However, unlike most other exchanges Current does not charge an additional trading fee. Cryptocurrency transactions are a form of investment, and all investments are subject to investment risks, including possible loss of the principal amount invested. Cryptocurrency is not insured by the FDIC or any other government-backed or third-party insurance. Your purchase of cryptocurrency is not a deposit or other obligation of, or guaranteed by, Choice Financial Group or Cross River Bank. The cryptocurrency assets in your Zero Hash account are not held at Current, Choice Financial Group, or Cross River Bank. Current, Choice Financial Group, and Cross River Bank are not responsible for the cryptocurrency assets held in any Zero Hash account. Neither Current, Choice, nor Cross River Bank is involved in the purchase, sale, exchange of fiat funds for cryptocurrency, or custody of the cryptocurrencies. Terms and Conditions apply (platform and user agreements). Crypto on Current is not currently available in HI. Licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. This does not constitute investment advice.

11. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.

12. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

13. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

14. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

15. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

16. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

17. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

18. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

19. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

20. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

21. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

22. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

23. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

24. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

25. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

26. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

27. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

28. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

29. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

30. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

31. Tipping or not tipping has no impact on your eligibility for SpotMe®.

32. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

33. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

34. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

35. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

36. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

37. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

* EarnIn is not available for Connecticut residents

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

Accepted Platinum – Get a $1,000 Credit Limit and More

Key takeaways