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Group One Platinum Card

Cory Santos

| Last updated on June 14th, 2024

Group One Platinum Card

Group One Platinum Card
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: Poor / No Credit Required
None Processing Network
None Annual Fee

Group One Platinum Card

At a Glance

The Group One Platinum Card is a retail card made for repairing bad credit and is one of the better cards for no credit score at all. It requires no credit check, so you can easily apply no matter what shape your score is in. Moreover, the lack of APRs and a $750 credit limit* makes payments on the card simple and manageable. You can use it to purchase a variety of items through the Horizon Outlet, improve your credit, and access member benefits like legal services and discounts on prescriptions.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • $750 credit limit*
  • No employment or credit check to apply
  • Fast and easy application
  • *usable only at
  • You need a card that doesn’t require a credit or employment check
  • You have no credit history or need to build up a poor credit score
  • You enjoy the convenience of online shopping and don’t mind paying the monthly membership fee
  • You can take advantage of the perks offered with the card, such as legal aid and prescription discounts

In-Depth Review: Group One Platinum Card

The Group One Platinum isn’t like most retail cards. It isn’t a traditional credit card; it’s a line of unsecured credit. Since it is unsecured, no refundable security deposit is required. It also offers tools to help cardholders build their credit scores rather than offering cash back and points for loyal customers.

Since it requires no credit or employment check to get one, anyone can take advantage of the 0% interest and membership benefits for a monthly fee. However, there’s a $750 credit limit*, and the use of the card is limited to the Horizon Outlet online store, which can have disadvantages depending on your spending needs.

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.

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 Horizon Card, you’ll need to activate it – here’s how:

  • 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.

How to Use the Group One Card

A Group One Platinum card can seem similar to a secured card since it strongly focuses on building credit. Unlike secured credit cards, however, this offer doesn’t require a security deposit to determine your level of credit. Once you complete the quick and easy online application, you’ll automatically qualify for the $750 line of credit* upon approval.

This card also doesn’t have a high-interest rate like secured cards often do. Group One charges no interest at all, which can help keep your balance under control. All you need to worry about is making a monthly payment to keep your account in good standing.

If you need to carry a balance, the required minimum payment is either 10% of the current balance or $25, whichever is greater. Pay your bill on the due date, and you’ll be on your way to repairing or building your credit score.

Horizon Store Access Only

As briefly mentioned, the Group One Platinum Card has a $750 unsecured credit limit* for use at the Horizon Outlet, which sells the following types of products:

·         Clothing

·         Small electronics and appliances

·         Home décor

·         Toys and books

Build Credit

Group One can help you build credit with on-time payments as with other merchandise or catalog cards. Horizon Card Services reports your payment history to the credit bureaus, allowing you to establish or improve your credit score over time.

Horizon Benefits

When you apply for this card, you’re automatically enrolled in the card’s membership program. So what is a Group One Platinum Card membership? It’s a Horizon Card Services program that provides additional benefits to cardholders. This includes the following services:

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 Credit Hawk.
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).

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 Group One Platinum and other Horizon Cards are available in all 50 US states.

Horizon Card Services Ratings

How does the Group One Platinum Card from Horizon stack up? Here are a selection of expert reviews for the card:

Should You Apply for the Group One Platinum Card?

The Group One Platinum Card is a great tool for one specific need: credit building and improvement. If you’ve recently been declined for a traditional credit card, this credit line can give you another way to get your score on track. Since you won’t accumulate interest, you can focus on making consistent payments, whether you carry a balance or not.

However, since this isn’t a traditional card, you can’t take advantage of the 0% interest for balance transfers, and the card is exclusive to Horizon Outlet. That means it won’t help much if you’re currently in debt and looking to cut down on costs.

If all you really need is a credit boost, this card can be a valuable asset to your wallet. It’s more straightforward than a traditional credit card might be, yet it still impacts your score. Plus, the catalog has plenty of great items to peruse if you’re looking for a go-to online store.

*Usable only at

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