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Group One Platinum Credit Card

Group One Platinum Card

No Credit Required

Group One Platinum Card
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
Best Benefits
  • $500 credit limit
  • No employment or credit check to apply
  • Reports activity to major credit bureau
  • Fast and easy application
Rates & Fees
  • Late Payment Penalty Fee: $20
  • Return Payment Penalty Fee: $25

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At a Glance

The Group One Platinum Card is a retail card made for repairing bad credit and is one of the better credit 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 $500 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.

Ideal for Those Who:

  • Need a card that doesn’t require a credit or employment check
  • Have no credit history or need to build up a poor credit score
  • Enjoy the convenience of online shopping and don’t mind paying the monthly membership fee
  • Can take advantage of the perks offered with the card, such as legal aid and prescription discounts

Group One Platinum Card Review

The Group One Platinum isn’t like most other retail cards. For one thing, 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 up 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 $500 credit limit and the use of the card is limited to the Horizon Outlet online store, which can have its disadvantages depending on your spending needs.

Where Can I Use My Group One Platinum Card?

The first factor worth noting about the Group One Platinum is that it’s only available for use with the Horizon Outlet. This is an online retail shop that offers a wide spread of items, including:

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

If these items regularly make it into your monthly spending, this can be a helpful card to have. Though it’s not a traditional credit card, the Group One still reports your activity to the major credit bureaus. This allows you to build or improve your bad credit score regardless of your credit history (or lack thereof).

Minimum Monthly Payment

A Group One Platinum card can seem similar to a secured card since it has a strong focus on building credit. Unlike secured credit cards, however, this offer doesn’t require a security deposit to determine your level of credit. This means that once you complete the quick and easy online application, you’ll automatically qualify for the $500 line of credit upon approval.

This card also doesn’t have a high interest rate like secured cards often do. In fact, 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.

Automatic Group One Platinum Monthly Membership

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:

  • My Legal Assistance provides access to legal resources, including a free 30-minute legal consultation in your area of need (not including criminal cases).
  • My Universal RX earns you discounts up to 40% on qualified medications at certain local pharmacies.
  • Privacy Protection protects your information while you make purchases with your card in the Horizon Outlet website. You also have access to fraud resolution services.
  • My Roadside Protection gives you access to 3 free towing or service requests in a 12–month period. However, you can use no more than 1 request in 30 days, and towing is limited to 15 miles (or $50); you are responsible for any additional costs.

Membership Fees

While the Group One Platinum itself has no annual fee, the membership costs $24.95 monthly. This will be automatically debited to your bank account each month – for a total of just under $300 a year. That’s a pretty hefty expense, especially if you don’t take advantage of the membership benefits. On the other hand, if you max-out the roadside assistance benefit ($150 for 3 tows/service calls), you’re already halfway there.

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 listed above, minus the roadside assistance, for only $6.95 a month. (You can opt to re-enroll in the full membership at any time.) 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

The Fingerhut Credit Cards Vs. The Group One Platinum Card

Is Fingerhut a Credit Card?

The Group One Card is similar to other cards for bad credit. Another popular option is the Fingerhut Card. The Fingerhut, like the  Group One, 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 Group One and Horizon Card security and protection.

Does Fingerhut Build Credit?

Like the Horizon Gold and Group One Platinum, Fingerhut reports to all the major credit bureaus. This means that Fingerhut is a decent option for building credit or establishing a good payment history for the first time.

Unlike the Group One Platinum, however, Fingerhut credit card accounts come with a 29.99% APR on purchases. Group One, on the other hand, features no interest on purchases. Additionally, both the Group One and Horizon Gold Cards come with a $500 unsecured credit line, double that of the Fingerhut Card account.

In the battle of catalog cards, which card is best? Both the Horizon Gold and Group One offer better credit limits and lower interest payments than the Fingerhut from WebBank. While the Fingerhut Card has lower fees, for those with bad credit that struggle to get credit cards, the Group One might offer better value.

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. You also won’t have to fork over any cash upfront like you would with a secured option.

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. Not to mention, $24.94 a month can add up pretty quickly.

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.

Other Cards to Consider

While the Group One is one of the easiest credit cards to get, it isn’t accepted outside of the Horizon Outlet. For that reason, some consumers may choose to select another bad credit credit card option:

Read the Total Visa® Unsecured Credit Card Review

The Total Visa is another Visa product for those with bad credit. The card prioritizes credit building over punishing those with a bad credit score, meaning even the worst credit scores can likely receive the card!

Why Choose the Total Visa?

  • Visa is accepted at more merchants worldwide than Mastercard
  • Visa card benefits
  • Fixed-rate APR

Total Visa® Unsecured Credit Card

Reports Monthly to All Three Major Credit Bureaus

Total Visa® Unsecured Credit Card
  • Regular Purchase APR See Terms
  • Cash Advance APR See Terms
  • Annual Fee See Terms
  • Credit Needed Fair , Poor
  • Processing Network Visa
Best Benefits
  • Fast and easy application process; response provided in seconds
  • A genuine Visa® card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (Subject to available credit)
  • Select your favorite card design from our gallery, for free!
Rates & Fees
  • Regular Purchase APR: See Terms
  • Cash Advance APR: See Terms
  • Cash Advance Transaction Fee: See Terms
  • Annual Fee: See Terms
  • Late Payment Penalty Fee: See Terms
  • Return Payment Penalty Fee: See Terms
Credit Card Deals
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  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
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Read the First Digital NextGen Mastercard® Review

The First Digital NextGen Mastercard® is a sleek and straightforward credit card for people with bad credit scores. NextGen receives its name from its streamlines – and easy – application process, creating a new way to look at repairing damaged credit.  Start with a respectable, $300 credit limit, and work your way towards a credit line increase with on-time payments and financial responsibility.

Why Choose the First Digital NextGen Card?

  • Fixed-rate APR makes understanding your credit card statement easier
  • Chance at a credit limit increase with financially responsible card use
  • Easy application process and quick decisions
  • Modest annual fee (even lower after year one)

First Digital NextGen Mastercard® Credit Card

Online Customer Center Available 24 x 7

First Digital NextGen Mastercard® Credit Card
  • Regular Purchase APR See terms*
  • Cash Advance APR See terms*
  • Annual Fee See terms*
  • Credit Needed Fair
  • Processing Network Mastercard
Best Benefits
  • Build up your Credit with a card that reports to all three major credit bureaus every month
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application – it just takes moments to apply
  • You may be eligible for a Credit Line Increase after six months
Rates & Fees
  • Regular Purchase APR: See terms*
  • Cash Advance APR: See terms*
  • Cash Advance Transaction Fee: See Terms*
  • Annual Fee: See terms*
  • Foreign Transaction Fee: See Terms*
  • Late Payment Penalty Fee: See Terms*
  • Return Payment Penalty Fee: See Terms*

Read the Milestone® Gold Mastercard® Review

The Milestone Gold Card is designed with those with bad credit in mind. The card offers a fixed-rate APR lower than the Mercury Mastercard, quick prequalification, and a modest annual fee.

Why Choose the Milestone Gold?

  • Slightly lower APR than other bad credit score credit cards
  • No credit score impact when applying
  • Quick prequalification
  • Doesn’t require reservation code

Milestone® Gold Mastercard®

No Credit Score Impact When You Apply

Milestone® Gold Mastercard®
  • Regular Purchase APR 24.9%
  • Cash Advance APR 29.9%
  • Annual Fee $35 to $99
  • Credit Needed Poor
  • Processing Network Mastercard
Best Benefits
  • Choose your custom card design
  • Free 24/7 online account access
  • Quick pre-qualification with no impact to credit score
  • Mastercard® Gold Benefits
Rates & Fees
  • Regular Purchase APR: 24.9%
  • Cash Advance APR: 29.9%
  • Cash Advance Transaction Fee: $0 during the first year; after first year, either $5 or 5% of the amount of transaction
  • Penalty APR: 29.9%
  • Annual Fee: $35 to $99
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • Over Limit Penalty Fee: Up to $40

Read the First Access Solid Black VISA® Credit Card Review

The First Access Solid Black is a sleek-looking Visa card designed for those with bad credit or no credit history at all. The card regularly reports to all the major credit bureaus making it a great way to quickly rebuild credit.

Why Choose the First Access Solid Black Visa?

  • Visa is accepted at more merchants worldwide than Mastercard
  • Quick application process
  • Fixed-rate APR

First Access Solid Black VISA® Credit Card

Raise Credit with Monthly Activity Reporting

First Access Solid Black VISA® Credit Card
  • Regular Purchase APR See Terms
  • Cash Advance APR See Terms
  • Annual Fee See Terms
  • Credit Needed Fair , Poor
  • Processing Network Visa
Best Benefits
  • Reporting monthly to all three major credit reporting agencies
  • All credit histories considered for this no security deposit credit card
  • Perfect credit not required for approval; we may approve you when others won't
  • Easy and secure online application
  • Get the security and convenience of a full-featured, unsecured Visa® credit card - accepted at millions of merchant and ATM locations nationwide and online
  • $300 credit limit (subject to available credit)
Rates & Fees
  • Regular Purchase APR: See Terms
  • Cash Advance APR: See Terms
  • Cash Advance Transaction Fee: See Terms
  • Annual Fee: See Terms
  • Late Payment Penalty Fee: See Terms
  • Return Payment Penalty Fee: See Terms
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

There are also several other credit cards from the Horizon Financial Services brand. One of the other popular options is the Net First Platinum Credit Card. What is the Net First Platinum Card? The Net First is essentially the same as the Horizon Gold or Group One Freedom Platinum Cards. Successful applicants receive an unsecured $500 credit limit. Like the Group One Freedom, cardholders use their Net First Platinum to purchase merchandise, gifts, and other products at the Horizon Outlet. And, like other Horizon Cards, the Net First Platinum builds credit with on-time payments.