Freedom Gold Card

Advertiser Disclosure Editorial Disclosure

Last updated on April 10th, 2023

Advertiser Disclosure Editorial Disclosure

Freedom Gold Card

Freedom Gold Card 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
N/A Processing Network
None Annual Fee

Freedom Gold Card

  • 0%* Regular Purchase APR

At a Glance

The Freedom Gold Card is a catalog and retail card from Horizon Card Financial Services. The card is ideal for anyone building or rebuilding their credit score. This card features a 0% APR, a credit limit of $750*, roadside assistance, discounts on prescription meds, and no credit or employment checks.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • $750 Unsecured Credit Line**
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast Online Application
  • Bad Credit - OK
  • *See site for details
  • **usable only at
  • Regular Purchase APR: 0%*
  • You have poor or no credit history
  • You want a payment card for convenience that will not require a credit check or employment check
  • You're looking for additional benefits that come with a card offer, such as roadside and legal assistance

Freedom Gold Card Review

The Freedom Gold  Card is a catalog card from Horizon Card Services. The card is a closed-loop card designed to help consumers build credit while shopping at an online outlet.

No Credit Check or Employment Check

The Freedom Gold is like other Horizon products in that it requires no credit checks or employment checks to apply. Freedom has a quick and easy application process that only requires a valid and active U.S. credit card, debit card, checking, or savings bank account. There is no hard inquiry on an applicant’s credit report meaning almost anyone is eligible.

$750 Line of Credit*

The Freedom Gold Card comes with a $750 merchandise credit line* 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

Keep in mind that the Freedom Gold Card is a closed-loop card. This distinction means that the card only works for purchases at the Horizon Outlet. The Freedom Gold can’t be used at other stores, pumping gas, or other purchases.

While the card only works at the Horizon Outlet, it requires no security deposit. Since the card is unsecured, it requires no security deposit to build credit – unlike secured credit cards.

Monthly Membership Fee and Horizon Benefits

The Freedom Gold Merchandise 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 Freedom Gold Merchandise Card Services. Cardholders can cancel their Freedom Gold account at any time by calling Horizon Member Services at 1-800-251-6144.

This membership fee entitles cardholders to Horizon Benefits, which include:

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).

7-Day Free Trial

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

FAQs About Horizon Outlet and the Freedom Gold Card

Here are answers to the most commonly asked questions about the Horizon Outlet and the Freedom Gold 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.
  • Yes. The Freedom Gold and other Horizon Cards are available in all 50 US states.

Horizon Card Services Ratings

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

Should You Apply for the Freedom Gold Merchandise Card?

The biggest problem with the Freedom Gold is that you can only use it at the Horizon Outlet. On the other hand, secured credit cards are used for purchases anywhere the card’s payment network is accepted.

Despite this shortcoming, the Freedom Gold Merchandise Card is a good opportunity for anyone who wants to build their credit score. Although it doesn’t work like a typical credit card, it’s a great fit for those willing to put the work in – and unable to afford the upfront costs of a secured card.

There are no credit checks with the Freedom Gold, meaning you won’t see a hard inquiry hit your credit report when applying. Remember, even with secured credit cards, there’s no guarantee of approval – so if you’re struggling with your credit, the Freedom Gold Card may be an excellent first step in the right direction.

*usable only at

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