BOOST Platinum Card

Advertiser Disclosure Editorial Disclosure

Last updated on September 19th, 2023

Advertiser Disclosure Editorial Disclosure

BOOST Platinum Card

BOOST Platinum Card
Fair-Poor-No Credit Required uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Fair/ Poor/ No Credit Required
None Processing Network
None Annual Fee

BOOST Platinum Card

  • 0% Regular Purchase APR

At a Glance

The BOOST Platinum Card is a basic store card offer from Horizon Financial Services. The BOOST Card perfect for consumers seeking to establish or rebuild their credit score. This card features a no interest on purchases, a credit limit of $750*, and no credit check.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Bad Credit, No Credit? No Problem
  • $750 Unsecured Credit Line*
  • Fast and Easy Application
  • No Employment or Credit Check
  • *usable only at
  • Regular Purchase APR: 0%
  • You have poor credit or no credit history at all
  • You want a store card without a credit or employment check
  • You want additional perks, like credit monitoring or roadside and legal assistance

BOOST Platinum Merchandise Card Review

The BOOST Platinum Card is a merchandise card from Horizon Card Services. Unlike a traditional credit card that can be used wherever the payment network (Visa, Mastercard), BOOST only works at the Horizon Outlet, an online shopping portal.

No Credit Check for $750 Unsecured Line of Credit

As mentioned, the BOOST Card offers successful applicants a $750 merchandise credit line for use at the Horizon Outlet. What makes the card such a popular choice for credit builders, however, is the lack of hard inquiries when applying. Horizon requires no credit check to apply, nor do they conduct an employment check. However, Horizon requires an active U.S. credit card, debit card, or checking or savings account.

Is This Service Legitimate?

First and foremost, yes, the BOOST Platinum Card is totally legitimate. Still, it’s easy to understand why the question is asked. After all, BOOST offers the allure of an unsecured line of credit to the tune of $750, with no credit checks or employment verification.  

Where Can You Use the Card?

If there was a “catch” with the BOOST Platinum, it’s the store card for exclusive use with Horizon Outlet. The Horizon Outlet is an online store with a huge array of products, including toys, clothing, and gifts. Customers note the excellent quality of Horizon Outlet items, and many praise the card’s customer service (though others have some issues).

7-Day Free Trial

One of Horizon Services’ unique features is that they offer a 7-day trial period. New cardholders can use their new BOOST Platinum Card to make purchases at the Horizon Outlet during this period. If they don’t like the experience, they can cancel – and only have to pay the value of the goods they purchase.


Horizon Benefits

Once the $14.95 monthly subscription is paid, cardholders receive access to Horizon Services perks and benefits, including:

Horizon Benefits
My Privacy Protection Users receive access to unlimited privacy protection when using their card within Horizon’s online portal.
My Roadside Protection Members have access to up to three service calls or towing requests per year (up to 15 miles, and not to exceed the operator cost of $50) free of charge.
Credit Hawk Cardholders receive 24/7 credit monitoring access through Credit Hawk.
My Universal RX Cardholders get unlimited access to up to 40% in discounts at participating local pharmacies
My Legal Assistance Cardholders receive one free 30-minute consultation with a specialized legal professional in your area (excluding criminal defense).

Monthly Membership Fee

As mentioned, the BOOST Platinum Card features a monthly subscription fee of $14.95. This monthly charge equates to a $179.40 annual fee.

The membership fee auto-debits monthly and shows on bank statements as BOOST Platinum Merchandise Card Services. Cardholders can cancel their BOOST account anytime by calling Horizon Member Services at 1-800-251-6144.

Card Comparison

Still not sure if the BOOST Platinum from Horizon Card Services is right for you? The program compares favorably to two other merchandise card programs, Buy on Trust and Fingerhut.

Boost Platinum 1200x630 1
BOOST Platinum
buy on trust lending
Buy On Trust
Credit needed Bad Credit, No Credit? No Problem All credit scores welcome Bad credit welcome
Credit check No No No
Credit line $750, unsecured Up to $5,000 approval $300 (to start)
APR 0% 0% 29.99% fixed
Store features Household, clothing, appliances, toys, clothing, gifts, & more All the big brand-name laptops, TVs, and more from Best Buy Digital catalog of electronics, household, kids toys, gifts, and more

How to Activate

Once you receive your new BOOST Platinum Card, you’ll need to activate it. Fortunately, this is a straightforward process, either online or via phone::

  • Call Horizon Card Services at 1-800-251-6144
  • Provide the customer service agent with your name, date of birth, full billing address, and other relevant information to access the account.
  • Provide card details (number, CVV)

FAQs About Horizon Outlet and the BOOST Platinum Card

Here are answers to the most commonly asked questions about the Horizon Outlet and the BOOST Platinum Card:

No. The card only works at the Horizon Outlet.

  • You can cancel your Horizon Card Services credit card online from your account or by calling (800) 251-6144. Just make sure to pay down any outstanding balance you might have on the card first.
  • Horizon Card Services and the various Horizon cards are currently  available in all 50 U.S. states plus the District of Columbia.

Horizon Card Services Ratings

How does the BOOST Card from Horizon stack up? Here is a selection of expert reviews for the card:

Should You Apply for the BOOST Platinum Card?

Overall, the BOOST Platinum Card is an excellent option for anyone seeking to boost their FICO score or establish credit for the first time. Although it does not function like a traditional credit card, it does provide the credit building platform users need – in addition to a credit line at the Horizon Outlet.

There are no credit checks or employment checks, meaning you will not see a hard inquiry hit your credit report after applying. Remember, even with secured credit cards, there is no guarantee of approval – so if you’re struggling with your credit, the BOOST Platinum Card may be a wise first step in the credit building journey.  

*Usable only at

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Advertiser Disclosure

BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.