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Next Millennium Credit Card review: The store card shoppers may want to return

 /  3 min
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Snapshot

2.4

Bankrate rating
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Rating: 2.4 stars out of 5

Bottom line

This costly card should be a pass for most people. It offers no rewards or credit-building features and only works at the obscure My Unique Outlet online store.

Next Millennium

Next Millennium

See Terms

Purchase intro APR

N/A

Regular APR

N/A

Intro offer

N/A

Rewards rate

N/A

2.4
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Bankrate Score

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Next Millennium Credit Card overview

  • Credit Card With Dollar Sign Icon

    Rewards

    • None

    Expert Appraisal: Weak
    See our expert analysis

  • Credit Card Search Icon

    Rates and fees

    • Annual fee: $0 or optional $19.95 monthly fee for card benefits
    • Application fee: $29.95
    • Regular APR: N/A
    • Returned payment fee: $30
    • Late payment fee: $10
    • Minimum monthly payment: Either $25 or 15 percent of the account balance owed, whichever is greater

    Expert Appraisal: Typical
    See our expert analysis

  • Congrats Icon

    Other cardholder perks

    • Benefits require a $19.95 monthly fee
    • My Unique Outlet discounts
    • Roadside assistance
    • Legal assistance

    Expert Appraisal: Unimpressive
    See our expert analysis

Next Millennium Credit Card pros and cons

Pros

  • Checkmark Icon

    There’s no credit check or negative impact on your credit score for applying.

  • Checkmark Icon

    You won’t be charged interest for carrying a balance.

  • Checkmark Icon

    People with poor credit can access a $1,000 credit limit.

Cons

  • There are no rewards or welcome offers with this card.

  • Fees for application and benefits make this card a costly choice.

  • The card only works at the My Unique Outlet online store.

Why you might want the Next Millennium Credit Card

Rates and fees: No APR on a modest credit line

Why you might want a different catalog card

Perks: Pay for minimal privileges

Rewards: No added value

How the Next Millennium Credit Card compares to other catalog and cards for bad credit

Image of Next Millennium

Next Millennium

Annual fee

$19.99 (monthly)

Intro offer

N/A

Rewards rate

N/A

Recommended Credit Score

See Terms
Info Icon
Image of Fingerhut Credit Account issued by WebBank

Fingerhut Credit Account issued by WebBank

Annual fee

$0

Intro offer

N/A

Rewards rate

N/A

Recommended Credit Score

No Credit History
Info Icon
Image of Petal® 1 "No Annual Fee" Visa® Credit Card

Petal® 1 "No Annual Fee" Visa® Credit Card

Annual fee

$0

Intro offer

N/A

Rewards rate

2% - 10% cash back
Info Icon

Recommended Credit Score

Fair to Good (580 – 740)
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Who is the Next Millennium Credit Card right for?

Bankrate’s Take — Is the Next Millennium Credit Card worth it?

One of the only useful features of the Next Millennium card is its lenient credit requirements and lack of an APR. Although there’s no hard credit check to be approved for the Next Millennium, its credit-building benefits end there. The Next Millennium card lacks features that come standard with most other credit cards for bad credit and doesn’t offer rewards or a welcome offer.

Unless you’re a frequent shopper at the My Unique Outlet online store, you’re better off applying for another credit card that works anywhere, regardless of your credit history.

*All information about the Next Millennium credit card and Fingerhut Credit Account has been collected independently by Bankrate and has not been reviewed or approved by the issuer.

How we rated this card

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50+
cards rated
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500+
data points analyzed
Debt Icon
250+
fees tracked
Dollar Coin Icon
40+
perks evaluated

Frequently asked questions

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.