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| Intro APR | Regular APR | Credit Needed | Annual Fee |
| No Introductory Rate Available | 19.5% | Very Good | $59 |
New Millennium Bank Secured Platinum Visa®/MasterCard® Editorial Review
The New Millennium Bank Platinum Visa/MasterCard is geared toward consumers who have trouble obtaining an unsecured credit card. There is no credit check for this card and all applicants are approved. This secured card requires a large minimum deposit, an annual fee and a one-time processing fee. This card has an above average APR, but it does allow cardholders to earn interest on the deposit required for this card. Moreover, there is no grace period for purchases, so interest will be immediately charged to purchases made on the card. Despite these drawbacks, this card provides some benefits that are rare for a secured card. These include auto rental insurance, travel accident insurance and extended warranties. Cardholders also get free membership to TheWorldsBestTravelClub.com, which offers various travel discounts at no extra cost.
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