There is no online application for this card

Consumer (Secured) Card Offer from New Millennium Bank.

Basic Information

  • No Credit Check
  • Approved Regardless of Credit History*
  • Credit limits up to $5,000.00
  • Reports to All 3 Bureaus
  • Special High introductory savings rate

N/A* Intro APR

N/A*Intro APR Period

Bad Credit OK*Credit Needed

0 days*Grace Period

$20.00*Late Payment Fee

APR: 19.50%* Fixed
Card Network:MasterCard®
Card Type:- Card for Bad Credit
- Guaranteed Approval

Card Review

Product Rating:
Ratings (3.5 out of 5)

First Option Master Card is a secured credit card issued by the New Millennium Bank. It's card charging highly competitive interest that's probably the lowest amongst the competition. There is no introductory APR period for card members to avail of but while on this card, several other benefits exist.

The annual fee is $59.

Online account management seeks to enable budget conscious card members keep track of the card account as often as they wish. Keeping an eye on the credit balance and card transactions is also a good way to detect fraud on time.

Additional benefits are travel accident insurance worth up to $100,000, auto rental insurance, extended warranty on purchases, emergency cash and card replacement.

Being on the Master Card network, card members get the opportunity to spend everywhere a MasterCard logo is displayed.

The issuing bank reports to all three major credit bureaus ensuring there's uniformity across the various credit reports.

The review is prepared by staff. Opinions expressed therein are solely those of the reviewer.


Other Benefits:- Internet related services
- Emergency cash transfers
- Auto rental Insurance
- $100,000 Travel accident Insurances
- Extended Warranty protection
100% Guarantee Approval:Yes
Credit Reporting:Yes

Card Finance & Rates

Introductory APR:N/A*
Introductory Period:N/A*
APR on Purchases: 19.50%* Fixed
Annual Fee:$59*
Minimum Credit Line:$300
Maximum Credit Line:$5,000

Balance Transfers

Balance Transfer:No*

Cash Advances

Cash Advance Fee:2.00%
Minimum Fee:$1.00
Maximum Fee:$20.00

Other Fees

Additional Fees: Processing fee: $99.95


The information provided for the First Option MasterCard® is considered to be accurate at the time of posting (Sep 7, 2012). However, we strongly advise site visitors to check the terms and conditions applicable to the product on the card issuers application page prior to completing an application.

Application Security

Please note that all applications feature secure SSL technology for your online protection.

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