There is no online application for this card

Consumer (Regular) Card Offer from Other Issuers.

Basic Information

  • UltraVX makes it easy to manage your finances
  • Automatic minimum payments
  • Reports to all 3 major credit bureaus
  • No credit check, no bank account required
  • Instant online approval
  • Earn rewards for iTunes, Southwest Airlines, American Airlines, JetBlue, US Air, Marriott Hotels, Hilton Hotels, and many more with no restrictions (Subject to terms and conditions) *Application for this card is not available

N/A* Intro APR

N/A*Intro APR Period

Bad Credit OK*Credit Needed

25 days*Grace Period

N/A*Late Payment Fee

APR: 18.90%* Fixed
Card Network:VISA®
Card Type:- Card for Bad Credit
- Instant Decision Card
- Reward Card

Card Review

Product Rating:
Ratings (4.5 out of 5)

Ultra VX Visa Credit Card is designed to serve every consumer who wishes to exercise total control over card purchases with enough funds for secure deposit.

Qualification requirements are low as only U.S residence is required. The credit limit available is equal to amount deposited in the secure account.

Members wishing to extend this amount can transfer funds from the cash account into the secure account or do a credit on demand transfer. Credit on demand occurs when card members try to make a purchase above the credit limit. To fund such purchases, the remaining difference to complete such purchase is deducted and added into the secure account.

Purchase APR charged is low and fixed. An account setup fee is incurred. There is no introductory rewards program or annual fee.

Members earn a single point per dollar spent with numerous reward options.

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

Rewards & Benefits

Reward Type:- Universal Reward Cards
Rewards:- 1 point for each $1 spent

Redeem points for iTunes, Southwest Airlines, American Airlines, JetBlue, US Air, Marriott Hotels, Hilton Hotels, and many more with no restrictions and no blackout dates
Other Benefits:- Online account access
- Automatic minimum payments
- Account alert feature
- World-class customer service
Credit Reporting:Yes

Card Finance & Rates

Introductory APR:N/A*
Introductory Period:N/A*
APR on Purchases: 18.90%* Fixed
Annual Fee:$0*

Balance Transfers

Balance Transfer:No*

Cash Advances

APR on Cash Advances:18.90%
Cash Advance Fee:$2.00

Other Fees

Additional Fees: - Account Set Up Fee: 29.95
- Monthly Participation Fee: $6.95 monthly

ATM (International): $5.00
ATM Balance Inquiry Fee: $0.95
ATM Decline Fee: $0.95
ATM Fee: $2.00
Bill Pay (Paper): $1.00
Card Replacement Fee: $15.00
Cash Advance Fee (International): $5.00
Cash Advance Fee: $2.00
Duplicate Statement Fee: $5.00
Express Mail Fee: $19.95
Returned Payment Fee: $25.00


Transaction fee for any transaction made in a foreign currency: 2% of the U.S. Dollar amount of each such transaction. This fee will be in addition to any other applicable fee.

The information provided for the Ultra VX Visa Credit Card is considered to be accurate at the time of posting (Mar 23, 2016). 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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