Advertiser Disclosure

BOOST Platinum Card

Cory Santos

| Last updated on March 6th, 2024

BOOST Platinum Card

BOOST Platinum Card
Fair-Poor-No Credit Required
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: 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 is perfect for consumers seeking to make purchases without a credit card. 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

In-Depth Review: BOOST Platinum Card

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) is, BOOST only works at the Horizon Outlet, an online shopping portal.

Is Boost Platinum Card Legit?

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 $750, with no credit checks or employment verification for bad or no credit.  

Who Can Benefit from a Merchandise Card?

If you have limited or no credit history and still want a way to make purchases with a payment card, a merchandise card from Horizon Card Services can be a valuable tool.

How to Get the Card

No Credit Check or Employment Check Required

As mentioned, the BOOST Card offers successful applicants a merchandise credit line for use at the Horizon Outlet. However, the lack of hard inquiries when applying makes the card such a popular choice for credit builders. Horizon does not require a credit check to apply or conduct an employment check. However, Horizon requires an active U.S. credit card, debit card, or checking or savings account.

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)

7-Day Free Trial

One of Horizon Services’ unique features is offering a 7-day trial period. Enjoy a full week trying out the card, making purchases at the Horizon Outlet, and getting a feel for the account during this period. If you don’t like it, you can easily cancel – and only have to pay the value of the goods purchased.

$750 Line of Credit*

The BOOST Platinum Card has a $750 unsecured credit limit* for use at the Horizon Outlet. The Horizon Outlet is an online store that offers a wide spread of items, including:

  • Clothing
  • Small electronics and appliances
  • Home décor
  • Toys and books

BOOST Platinum only works for purchases at the Horizon Outlet. The Horizon Outlet is an online store with many 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).

Horizon Benefits

The BOOST Card features a monthly subscription fee of $14.77. This monthly charge is the equivalent of a $177.24 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.

This monthly fee entitles BOOST cardholders to Horizon Benefits, which include:

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.
Identity IQ Cardholders receive 24/7 credit monitoring access through Identity IQ.
My Universal RX Members receive up to 50% off at over 55,000 pharmacies nationwide. Check or call Member Services for selected medications and changes
My Legal Assistance Cardholders receive one free 30-minute consultation with a specialized legal professional in your area (excluding criminal defense).


BOOST Platinum Buy On Trust Fingerhut
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

Other Merchandise Cards to Consider


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 shop online without the burdens of having to qualify for a credit card. Although it does not function like a traditional credit card, it does provide the purchasing power 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 alternative.  

*Usable only at

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