The USA Optimum Gold Credit Card is issued by USA Credit and is designed for those with poor to limited credit who want to establish or re-establish credit.

Although there is a set-up fee of $149.95, it is considered reasonable compared to similar cards, which sometimes charge anywhere between $200 and $400 for the first year of membership. The USA Optimum Gold Credit card has no annual fee or interest on purchases. Everyone who applies for this card will be accepted based on the issuer