Since the Unique Platinum card is a merchandise card, it doesn’t come with interest rates like traditional credit cards.  Not having APR charges can save you money in the long run, but it’s also worth looking at other fees that come with the card. For example, Unique Platinum comes with a $19.95 monthly membership fee.  It’s best to review the terms and conditions for specific details regarding interest rates, fees, and other applicable charges. Being aware of the APR rates helps you make informed decisions and manage your finances responsibly. Find out more about APR rates.