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Last Updated: 09/24/2025

Next Millennium

Q: Does Next Millennium have a cash back or rewards program?

No, it does not offer a rewards program. Emergency Support Click here for a full list of benefits.

in Credit Cards from Unique Card Services

Last Updated: 09/24/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Mostly not recommended10 total votes

4 users recommend

1 users are unsure

5 users don't recommend

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Highlights

Community Rating

Mostly not recommended

Purchase APR (Variable APR)

Starting at 0%(Verified 06/21/2024)

Disclaimer popup with additional information

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

300 - 640

Annual Fee

$239.40

Number of Reviews

Next Millennium Review

This is a store card issued by Unique Card Services. If you're wondering whether Next Millennium is the right card for you, read on.

Key Takeaways

Poor credit accepted. This card will consider people who have poor credit.

Pros & Cons of Next Millennium

The Good

The Bad

Potentially lower than average purchase APRs.
Considers applicants with fair credit.

Charges an annual fee of $239.4
Does not offer a signup bonus.
Does not offer rewards or cash back.
You don't earn rewards on every purchase.
Does not report to credit bureaus.

Next Millennium FAQ

Does Next Millennium have a cash back or rewards program?

No, it does not offer a rewards program.

Next Millennium Rewards Breakdown

Description

Emergency Support

Click here for a full list of benefits.

What are the relevant APRs for Next Millennium?

According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.

Next Millennium has a variable purchase APR starting at 0%. Next Millennium does not offer balance transfers.

Does Next Millennium have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers. Next Millennium does not offer balance transfers.

Does Next Millennium have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Next Millennium?

Next Millennium Fees

Description

Returned Payment Fee

$30

Annual Fee

$239.4

Late Fee Amount

$10

Initial Program Fee

$29.95

This card charges an annual fee of $239.4.

There is a late fee of up to $10 .

What is the customer service phone number for Next Millennium?

The customer service number for Next Millennium is (888) 805-7648.

What is the support contact email for Next Millennium?

The support contact email for Next Millennium is memberservices@uniquecardservices.com.

How do people rate the customer service and user experience of Next Millennium?

Overall, Next Millennium is mostly not recommended based on community reviews that rate customer service and user experience.

Does Unique Card Services perform a hard credit pull?

Yes, Next Millennium performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Next Millennium

Visit the website of Next Millennium.
Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

413 Jefferson Trail

P.O. Box 17

Chalk Hill, PA 15421

Visit Site

Email Support

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SuperMoney Net Recommendation Score

SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -10, or 2.8 on a 5-point rating scale.

-10

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Next Millennium Community Reviews

Would you recommend Next Millennium to your friends?

Robyn F.

Jan 12, 2022

May or may not recommend

I would recommend this since there is no interest rates. They also let you have a low credit score as well.

Emily S.

Nov 3, 2021

May or may not recommend

It may look nice that there's a 0% apr but the annual fee is higher than a lot of credit cards out there. After doing further research, it seems like the customer service are unprofessional and the card security is questionable and there's no perks to having the card.

C S.

Dec 22, 2020

May or may not recommend

Not worth it. This is not a large company and I personally do not trust them. It is difficult to get in touch with the support team and difficult to find information on the company. The 0% APR really grabs your attention but then they try to sneak in a 239 dollar annual fee! No thank you. The card is unique for the 0 APR but not practical.

Austin B.

Oct 19, 2020

May or may not recommend

UniqueCard Services has a ton of tools on their site that make getting their credit card a piece of cake. They have calculators and extensive search features that make it very easy to maneuver your transactions with them. I wish every website functioned like theirs. Amazing service. Would use again!

Naila

Oct 2, 2020

May or may not recommend

UniqueCard Services is intuitive, and easy to use. The search features allow you to sort credit cards using a wide variety of criteria. Between the calculators and comparison tools, this company has done all of the legwork, allowing users to make an informed decision in selecting the best possible credit card for them.Highly recommended

Melissa F.

Jul 2, 2020

May or may not recommend

The representative I spoke with was very hostile. I wanted to know who these people are and why they are continually taking money from my account. I could hardly get in a word. All I wanted to know was how to get a refund. She was so nasty. My goodness why is this person even in this business. Just help me understand and Ill ...Show More

Tracy S.

Dec 20, 2019

May or may not recommend

This is deceiving thought I was getting a 1000 credit card. They charged me 29.95 and dont want to refund all of my money back. Called to complain and I was Answered by a woman who was extremely rude named Autum asked for a supervisor she claimed to be one. She was rude cut me off while I was talking multiple time then saying Merry Christmas rudely and hanging up ...Show More

Alexander H.

Nov 1, 2019

May or may not recommend

I got to see how it work first before i let anybody know

Trish B.

Sep 3, 2019

May or may not recommend

This is a trap. This is a “Store Card” but the issue is it’s a bogus store with unbranded products that are listed at a 1,000% mark-up. The terms of this ‘card’ require either minimum monthly purchases or recurring subscription charges every month, just for having an account. You will may $250/year just for having the card and then if you are naive enough to actually make a purchase, you ...Show More