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Issued by USA Credit, the USA Optimum Gold is designed for people with poor to limited credit history who are looking to establish or re-establish credit.

USA Optimum Gold Merchandise Credit Card
Intro APR  APR Annual Fee 
N/A* N/A * N/A*
Unfortunately, we do not currently offer online application for this card. See similar cards

Basic Information

Issuer: First USA
Card Network: Other Networks
Card Category: Consumer (Shopping)
Card Type: - Guaranteed Approval
- Shopping Card
- Reward Card
Credit Needed: Accepts All*

Card Review

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

The USA Optimum Gold Card is a buying club membership, which includes a $5,000 merchandise credit card that reports to a major credit bureau. If qualifications are met, membership approval is *guaranteed.
Card rating:
(3.4 out of 5) total 43 votes
Most attractive features: - 100% Approval
- Credit Reporting
- High Unsecured line of credit
Least attractive features: - Membership fee
- Limited use


Other Benefits: - USA Emergency Roadside Assistance
- Medco Health Prescription Card
- Credit Manager with FREE Credit Report
- $300 Grocery Coupon Card
Online Card Account Access:
100% Guarantee Approval:
Credit Reporting:

Card Finance & Rates

Introductory APR (%): N/A*
Introductory Period: N/A*
APR on Purchases (%): N/A*
Annual Fee: N/A*
Grace Period: N/A*
Maximum Credit Line: $5,000*
Late Payment Fee: $10.00*

Balance Transfers

Balance Transfer:

Other Fees

Additional Fees  
Elite service monthly fee
Membership fee
Retured checks fee
See Terms and Conditions*


*Guaranteed Approval Qualifications:
- You must be 18 years of age
- You must be either a U.S. Citizen or Permanent Resident (Offer Not Available to Residents of Wisconsin)
- You must have no undischarged bankruptcies.


View Other First USA Cards
View Other Other Networks Cards
View Other All Debit and Credit Cards
View Other Consumer Cards
View Other Credit Reporting Cards
View Other Reward Credit Cards
View Other Guaranteed Approval
View Other Shopping Cards
View Other Merchandise Reward Cards

* The information provided for USA Optimum Gold Merchandise Credit Card is believed to be accurate at the time of evaluation (Mar 23, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

SSL Security Security Note: Online application features Secure SSL Technology.

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