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Freedom Gold Card

Cory Santos

| Last updated on February 14th, 2024

Freedom Gold Card

Freedom Gold 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

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

In-Depth Review: Freedom Gold Card

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.

Who Can Benefit from a Merchandise Card?

If you have limited or no credit history and want to improve your credit score, a merchandise card from Horizon Card Services can be a valuable tool. It provides an opportunity to build credit while offering limited purchasing options. With responsible use and timely payments, you can establish a positive credit history and potentially qualify for more traditional credit cards in the future.

How to Get the Card

No Credit Check or Employment Check Required

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

7-Day Free Trial

One of Horizon Services’ unique features is offering a 7-day trial period. New try out the Freedom Gold and 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.

$750 Line of Credit*

The Freedom Gold 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

Keep in mind that the Freedom GoldCard is a closed-loop card. This distinction means the card only works for purchases at the Horizon Outlet. The Net First Platinum Card cannot be used at other stores, pumping gas, or purchases.

Build Credit

Horizon Card Services reports your payment history to the credit bureaus, allowing you to establish or improve your credit score over time.

Horizon Benefits

The Freedom GoldCard features a monthly subscription fee of $14.95. This monthly charge is the equivalent of a $179.40 annual fee. This monthly fee entitles 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.
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).


As mentioned, the Freedom Gold Card comes with a monthly service fee. While that fee might seems heavy, it can be recouped with tactical usage of the card.  If you max-out the roadside assistance benefit ($150 for three tows/service calls), you’re already halfway there, for example.

It’s worth noting that if your bank account has insufficient funds, you may be automatically enrolled in a reduced membership. This provides the same benefits above, minus the roadside assistance, for only $6.95 a month. (You can opt to re-enroll in the full membership anytime.) Other fees to keep in mind include:

  • A $6 monthly maintenance fee if your account is inactive
  • $2.00 for residential delivery
  • $3.50 for signature verification upon delivery
  • Purchase processing fees, which can vary


Fingerhut Vs. Freedom Gold

The Freedom Gold Card is similar to other card offers for bad credit. Another popular option is the Fingerhut Card. Like the Freedom Gold, the Fingerhut is not a Mastercard or Visa, but rather a catalog card.

The Fingerhut FreshStart Card account offers an initial credit limit of $125 – $230 and requires an initial down payment of $30. For that initial deposit, cardholders enjoy access to an online catalog, the Fingerhut catalog (new for 2020), which is much like the Horizon Outlet. Fingerhut credit protections are similar to Freedom Gold and Horizon Card security and protection.

The Freedom Gold Card offers better credit limits and lower interest payments than the Fingerhut from WebBank. While the Fingerhut Card has lower fees, the Freedom Gold might offer better value for those with bad credit who struggle to get credit cards.

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.
  • 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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