All American Gold Credit Card

*Guaranteed Approval $6,000 Unsecured Gold Credit Line No Credit Checks or Credit Turndowns No Employment Verifications

Review: The All American Gold Credit Card, issued by USA Credit, is designed for those with poor or limited credit who are looking to establish or re-establish credit. Although the credit card does have a $149.95 account set-up fee, it is considered reasonable as compared to similar cards designed to establish credit, which can charge fees ranging anywhere between $200 and $400 for the first year of membership. There is no interest rate on purchases, and new cardholders can access their credit reports for a free 30-day trial period. Anyone who applies for the credit card will be accepted based on their "No Credit Check or Credit Turndowns" policy, although certain restrictions do apply (see website for details). Those who become active members of the credit card will be glad to know that the credit line is reported to a major credit bureau. The major drawback of this credit card is that it can only be used for retail purchases through the USA Credit sponsored website and catalogs. In essence, the credit card is a retail charge card that can only be used for selected products. Therefore, those looking for a low cost option to establish or re-establish credit and do not require a credit card for general everyday purchases will find the All American Gold Credit Card to be more than adequate.

Date of Review: 2006-04-07 00:00:00

Notes: The credit line is reported to a major Credit Bureau. Must be at least 18 and a U.S. citizen or permanent resident (excluding Wisconsin), with an active checking account, a monthly household income of at least $800 and no undischarged bankruptcies. *No employment verifications. *Guaranteed approval. *No credit checks or turndowns. *Pre-Approved. *See website for terms and conditions.

Additional Perks: Free 30-day credit report access trial offer. *See website for additional benefits.