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Consumer (Shopping) Card Offer from First USA.

Basic Information

  • 0% APR
  • No Annual Fee
  • $7500 Shopping Credit
  • Low Minimum Monthly Payments
  • Credit Limit Increases Available
  • Unlimited Credit Report monitoring

N/A* Intro APR

N/A*Intro APR Period

Bad Credit OK*Credit Needed

N/A*Grace Period

$10.00*Late Payment Fee

APR: 0.00%*
Card Network:Other Networks
Card Type:- Card for Bad Credit
- Guaranteed Approval
- Shopping Card

Card Review

Product Rating:
Ratings (3.5 out of 5)

Preferred Trust Gold Shopping Card is a card designed for those who purchase frequently from the USA Credit Shopping Club website. Card members incur no interest rates on purchases. Balance transfers are not allowed.

Card members incur a $19.95 charge for Elite services while applicants are charged a $149.95 application fee. There is no annual fee. Credit limit increases come from time to time but newly accepted members can expect a limit around $7,500. Approval is virtually guaranteed since there are no credit checks in place.

Identity theft insurance protects card members from liability in event the card is issued without authorization. Road side assistance provides a helping hand to members whose car break down during travel or have other road related needs. Other benefits include online account access, and discounts on prescriptions.

Card members have unrestricted access to their credit reports ensuring they can keep an eye out for fraudulent transactions.

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


Other Benefits:- Discounts on prescriptions
- Roadside Assistance
- Identity Theft Insurance
- Unlimited Access to you credit report
100% Guarantee Approval:Yes
Credit Reporting:Yes

Card Finance & Rates

Introductory APR:N/A*
Introductory Period:N/A*
APR on Purchases: 0.00%*
Annual Fee:$0*
Minimum Credit Line:$2,500
Maximum Credit Line:$7,500

Balance Transfers

Balance Transfer:No*

Other Fees

Application Fee:$149.95
Additional Fees: My Hi Tech Auto Services: $14.95/month
The Elite Service: $19.95/month
Returned Checks: $30.00
ACH Debits and Credit Cards: $30.00


After application, USA Credit would debit your bank account for $19.95 every thirty (30) days in which you maintain the Elite Services, beginning as soon as thirty (30) days from today. Each debit will appear each month on your banking statement and I will deduct each amount from your bank account. You may cancel the Elite Services at any time, and may have questions on your USA Credit account answered, by contacting USA Credit member services at 1-888-834-1815 or at If You cancel your Elite Services after a monthly debit has occurred, you will cancel all subsequent debts, but will not receive a refund for the current month.

The offer is not available in AK, HI, IN, WI, VT

The information provided for the Preferred Trust Gold Shopping Card is considered to be accurate at the time of posting (Nov 30, 2010). 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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