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Issued by New Millennium Bank Categories: Pre-Paid
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Overall Rating
Benefit Rating
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The Millennium Advantage Pre-Paid MasterCard®, issued by New Millennium Bank, is a stored value card designed for those who may have difficulty in obtaining an unsecured credit card. This card requires the cardholder to make payments in advance, which are then used to offset future purchases made with the card. The card can be loaded by account-to-account transfers via the Internet, through payments sent by mail, or at load stations from authorized load partners. There is a $1 fee charged for every reload. There are other various fees associated with this card as well, including an activation fee of $99.00 and a monthly participation fee of $5.95 ($71.40 annually). In the first year alone, a cardholder can expect to pay a minimum total of $170.40 in fees. It is important to note this card does not report cardholder transactions to credit bureaus, which may be considered a major drawback for those who are trying to establish credit. Therefore, those who are looking for a stored value card and do not need to build credit may find the Millennium Advantage Pre-Paid MasterCard® to be a suitable option.
Most Attractive Feature(s): No credit checks.
Least Attractive Feature(s): Activation fee; monthly participation fee; does not help to establish a credit history.
Additional Perks
Various Internet account related services.
See website for additional benefits.
Rates & Fees
- Introductory Rate: No Introductory Rate Available
- Introductory Rate Details:
- Grace Period: Not applicable to this type of card.
- Applied Towards: None
- APR (Purchases) %:
- APR (Cash Advances) %:
- Finance Configuration:
- Annual Fee: $0
- Additional Cardholders:
- Application Fee:
- Minimum Credit Limit: n/a
- Maximum Credit Limit: $2,500
- Late Payment Fee:
- Over-The-Limit Fee:
- Cash Advance Fee: $1.95 for ATM transactions
- Balance Transfer Fee:
- Important Notations: There is a $1 fee per call for live customer service assistance.There is a bill payment fee of $0.75 per transaction for any bill payments made online or by phone.There is a $.75 fee for each ATM inquiry or ATM inquiry decline.There is a $.50 automated voice response fee each time cardholders call 1-877-868-0849 to check the card balance.There is a call center fee of $1 per minute each time cardholders speak with a customer service representative.There is a $9.95 card replacement fee if a card is reported lost or stolen.See website for complete terms and conditions of card usage and application disclosure.
* See the online credit card applications for details about Terms and Conditions of offer.
Note: The credit card information is believed to be accurate during the update. However, all information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions Statement that accompanies the credit card application. When you click on the " Apply " button you can review the credit card Terms and Conditions on the credit card issuer's web site.
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
| n/app |
Not Available |
$125** |
No Introductory Rate Available |
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- No Annual Fee for the First Year - $95 Thereafter
- Earn 5,000 Membership Rewards® Bonus Points After Your First Purchase With the Card -- Redeemable for a $50 Gift Card
- The Membership Rewards® Program also Lets You Transfer Points to 11 Frequent Flyer Programs: 1 Point = 1 Frequent Flyer Mile or Frequent Guest Credit for Most Programs
- Purchase Protection Plan Protects Eligible Purchases Made with the Card Against Accidental Damage and Theft for up to 90 Days from the Date of Purchase
- Many Other Travel and Shopping Benefits
- No Pre-Set Spending Limit
- Express Approval. Get a Decision in Less than 60 Seconds
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
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$95** |
No Introductory Rate Available |
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- Get Your Application Results in Seconds
- Monthly Reporting to the Major Credit Bureaus
- Free Online Access
- Excellent Online Tools for Managing Your Finances
- Semi-Annual Credit Limit Increases
- No Minimum Monthly Income Requirements*
- Unsecured MasterCard Accepted at Millions of Locations Worldwide
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| APR (Purch) % |
APR (Cach) % |
Annual Fee |
Intro APR |
| 19.92 |
19.92 |
$50 |
No Introductory Rate Available |
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