Deluxe Signature Credit Card [An Honest Review]

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Have you ever thought about trying out a new credit card?

In today’s post, we’ll be talking to you about the Deluxe Signature credit card and giving you our thoughts and opinions on it.

In order to get the most from any new card, it’s critical to start with the right type of card. We hope to cover all of the most important information you’ll need to know to see if the Deluxe Signature credit card is right for you.

Without further ado, let’s get on with this review.

What is the Deluxe Signature credit card?

Shopping around for credit cards can potentially seem like a hassle, but it’s vital if you’re going to get the ideal credit card for your needs. With this in mind, we’ll be taking a look at some of the key things you need to know in today’s Deluxe Signature credit card review.

Remember, while the Deluxe Signature credit card is an increasingly popular option, it’s not necessarily right for everyone. It’s crucial to consider the features that follow.

Features of the Deluxe Signature credit card

Let’s go over a few of the most notable features of the Deluxe Signature credit card.

One of the Deluxe Signature credit card’s main features is that it’s a highly inclusive credit card, accepting applications from anyone regardless of their credit score.

Furthermore, the card allows up to $1,000 in credit max, which means that you can make payments without having to worry about racking up your balance too significantly. By contrast, many other credit cards allow far higher limits, which may make controlling your spending harder.

The Deluxe Signature credit card typically receives high praise in its reviews for customer service and user experience. 

It’s also worth noting that the Deluxe Signature credit card is powered by MasterCard, so it’ll be accepted wherever MasterCard is accepted.

It used to be that the card could only be used at the Hutton Chase online store, but that is no longer the case, and the store no longer exists online.

Requirements to qualify for the Deluxe Signature credit card

There aren’t many requirements to qualify for a Deluxe Signature credit card, which is its major selling point.

The card allows applications from anyone over the age of 18, even with subpar credit history. The card is available for users within a credit score range of 300 to 640, making it highly variable and inclusive. The card also doesn’t select applicants based on their employment status, immigration status, military status, or the like.

As such, the Deluxe Signature credit card is basically available for you as long as you are either a U.S. citizen or a U.S. permanent resident and over the age of 18 years.

Check out other credit cards like First Phase, Verve and Prosper that you can apply to even if you have bad credit.

Deluxe Signature credit card limit

Deluxe signature credit card has a maximum credit limit of $1000, although it may not be much, it can come in very handy as an emergency fund. No matter your credit, you should be able to qualify for a minimum of $240.

Deluxe Signature credit card penalties

Late payment fees through the Deluxe Signature credit card are typically $10. Returned payments incur a $30 fee, so definitely try to prevent returned payments at all costs.

Deluxe Signature credit card APR

Rather than using an APR system, the Deluxe Signature credit card has an annual membership fee instead.

Deluxe Signature credit card annual membership fee

The annual membership fee for the Deluxe Signature credit card is $239.40, with an additional initial fee of $29.95.

Deluxe Signature credit card cashback and rewards

Unfortunately, no cashback or reward opportunities are available with the Deluxe Signature credit card.

Is Deluxe Signature credit card legit?

Deluxe Signature credit card is definitely legit, the general reviews for the card is very positive. It is regarded as a great way to get a credit card if you have credit score issues.

Who do we recommend the Deluxe Signature credit card to?

The Deluxe Signature credit card has mostly been marketed for people who need to build their credit, and we agree that it is the best use case for it. However, the cost to obtain this credit card is quite high. You’ll need well over $200 just to open this line of credit.

If you can afford it, great, but I’d recommend trying to build your credit as fast as possible and then trying to qualify for another line of credit so that you can ultimately close out this card. That way, you won’t have to pay the following year’s $200+ annual membership fee.

Deluxe Signature credit card pros and cons

At this point, we’ve highlighted some of the main features of the Deluxe Signature credit card. Let’s go over the Deluxe Signature credit card’s pros and cons.

Pros of the Deluxe Signature credit card

There’s a lot to love about the Deluxe Signature credit card, which may be why a growing number of people are choosing it. Some of the best Deluxe Signature credit card benefits include the following:

  • 0% interest rate, unlike many other credit cards, and relying instead on membership fees
  • The guaranteed approval system makes applying for this credit card easy
  • Accepts applicants with all kinds of credit history, even if your credit history is subpar
  • Can be used to boost your credit history in order to qualify for other cards in the future

Cons of the Deluxe Signature credit card

While the Deluxe Signature credit card is definitely a popular option, it’s not foolproof and it isn’t perfect. Some of the most notable cons of the card include:

  • No rewards program available
  • A joining fee of around $30
  • High annual fees of around $240 on a $1000 spending limit

How to apply for the Deluxe Signature credit card

If you think the Deluxe Signature credit card could be right for you, applying is a very simple process, and you’re almost guaranteed to get an offer of credit.

Simply head to the Deluxe Signature credit card website at deluxesignaturecard.com and complete the application form. It’s really that simple, and you should hear back quite quickly from the company as to whether you’ve received an offer of credit.

In conclusion

If you’ve been looking to find the ideal credit card, it’s vital to scrutinize the different features carefully. This will, of course, depend on your personal situation; the ideal credit card for you may differ from someone else.

However, it’s generally safe to say that those who benefit the most from the Deluxe Signature credit card would be people with subpar credit scores who are looking to build up their credit score in order to qualify for other credit card options in the future.

They’ve got high annual fees with no cashback or rewards program, so it’s best to try to move on to another credit card as soon as you possibly can.

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