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Issued by New Millennium Bank, the Onyx Visa Credit Card is a Premium New Black Card, designed for those with bad credit who would like have a real credit card that reports to all credit Bureaus, and plan to take advantage of unique benefit offers including free Ipod and free 2 Airline Tickets.


Onyx The New Black Visa Credit Card
Intro APR  APR Annual Fee 
N/A* 19.50% * $59*
Unfortunately, we do not currently offer online application for this card. See similar cards

Basic Information

Issuer: New Millennium Bank
Card Network: VISA®
Card Category: Consumer (Secured)
Card Type: - Card for Bad Credit
- Instant Decision Card
Credit Needed: Bad Credit OK*

Card Review

Prepared by . Opinions expressed therein are solely those of the reviewer.


The Onyx Visa card, with a credit limit of $300.00 to $5,000.00, is a real credit card which requires to make on-time monthly payments to ensure that your account remains in good standing.

Even if you have no credit, or your credit history is less than perfect, you can be approved for a Onyx Visa fully secured card when you meet general guidelines:
a) you must be of legal age in the state of your residence
b) you must reside in the United States
c) you must have a valid social security number

Once you are approved, you are guaranteed a credit limit equal to 100% of your deposit immediately. The minimum deposit required is $300, with a maximum deposit of $5,000.

Even more, your savings account earns interest at a rate of 6.0% interest for the first three months, then 2.0% interest for the next nine months, for a 3.0% Annual Percentage Yield (APY). After the first twelve months your account earns 2.0% APY.
Card rating:
(2.5 out of 5) total 33 votes
Most attractive features: - Free Airline Tickets
- Free Long Distance Service
- Platinum membership
- Reports to all credit Bureaus
- *Guaranteed approval card
Least attractive features: - Slightly high APR for purchases
- Annual membership fee

Rewards & Benefits

Other Benefits: - Reports to TransUnion, Equifax, and Experian
- Two Free Airline tickets with Resort stay
- Free long Distance Service
- Free Ipod after 3 month membership
- Discount Savings program membership
- High APY on savings
Online Card Account Access:
Credit Reporting:

Card Finance & Rates

Introductory APR (%): N/A*
Introductory Period: N/A*
Regular APR (%): 19.50%*
APR Type: fixed
Annual Fee: $59*
Grace Period: 0 days*
Minimum Finance Charge: $0.50*
Minimum Credit Line: $300*
Maximum Credit Line: $5,000*
Late Payment Fee: $20.00*
Over Limit Fee: $20.00*

Balance Transfers

Balance Transfer:

Cash Advances

Minimum Fee: $1.00
Maximum Fee: $20.00

Other Fees

Additional Fees Co-Applicant fee: $12.95

Action

View Other New Millennium Bank Cards
View Other VISA Cards
View Other All Debit and Credit Cards
View Other Consumer Cards
View Other Credit Reporting Cards
View Other Secured Cards
View Other Cards for Bad Credit
View Other Instant Decision Cards


* The information provided for Onyx The New Black Visa Credit Card is believed to be accurate at the time of evaluation (Sep 7, 2012). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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