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Horizon Gold Card Credit Card

Horizon Gold Card

No Credit Required

Horizon Gold Card
  • Annual Fee None
  • Credit Needed No Credit Required
Best Benefits
  • 0% purchase APR
  • No credit check required
  • Fast online application
  • Includes access to My Privacy Protection, My Universal RX, My Roadside Protect and My Legal Assistance benefits
Rates & Fees
  • Late Payment Penalty Fee: $20
  • Return Payment Penalty Fee: $25

At a Glance

The Horizon Gold Card is a basic store card offer from Horizon Card Services. The card is best for someone who is building or rebuilding their credit score. This card features a 0% APR, a credit limit of $500, roadside assistance, discounts on prescription meds, and no credit check.

Ideal for Those Who:

  • Have poor or no credit history
  • Want a payment card for convenience that will not require a credit check or employment check
  • Are comfortable with spending close to $30 each month for the use of an online store card
  • Are looking for additional benefits that come with a card offer, such as roadside and legal assistance

Horizon Gold Card Review

The Horizon Gold Card is a basic card offer available for use exclusively with Horizon Outlet. This outlet is an online marketplace with a variety of products for purchase. Approval does not require a credit check or an employment check. This means it’s a great option for someone struggling to get a traditional credit card offer due to bad credit or poor financial habits.

The spending limit for this card is $500 – which is generous for many secured card offers. However, the card only works at the Horizon Outlet. This means it is a store card and not a traditional credit card. This difference can have drawbacks depending on your financial goals. It also means you can’t sue your Horizon Gold Card at an ATM.

Horizon Gold Card Benefits

While it’s not a traditional credit card, Horizon Gold reports directly to the credit bureaus each month. This reporting is critical for those who are establishing or building their credit.

The online application is quick and easy since there is no credit check. Once you pay your monthly subscription of $24.95, you gain access to perks and benefits. These perks include My Privacy Protection, My Universal RX, My Roadside Protection, and My Legal Assistance. These enhanced benefits, when broken down, include:

  • My Privacy Protection: Access to unlimited privacy protection when using your Horizon Gold card with the online portal from Horizon Outlet. In addition, you will receive expedited fraud resolution services with regard to unauthorized use of information. If you believe your account was fraudulently charged for the application and processing fee, Horizon will make every effort to aid in a resolution.
  • My Universal RX: Unlimited access to participating local pharmacies – members receive up to 40% off on all covered prescription medications.
  • My Roadside Protection: Cardholders will enjoy up to 3 service calls or towing requests per 12 months, up to 15 miles and not to exceed the operator cost of $50, for free. Additional mileage and associated towing costs are the responsibility of the cardholder. No more than 1 towing or service call is covered within a 30 day period. Service calls include fluid delivery (up to 2 gallons of fuel, which you must re-pay at the current local pump price), lock-out service, and flat tire change service (with a spare tire that you provide).
  • My Legal Assistance: Enjoy toll-free and Internet access to legal resources; your plan entitles you to one free 30-minute consultation with a legal professional in your area, specializing in an area of law of your interest. This does not cover criminal defense cases.

For more information on these benefits, be sure to check out the terms and conditions on the Horizon website.

Horizon Member Benefits

No purchase APR with the card is another attractive offer for members. This perk means you won’t have to worry about additional monthly costs. If you choose to carry a balance, a minimum payment is required in order to keep your account from default status. That amount will be either $25 or 10% of the monthly balance due, whichever is greater.

The application for the Horizon Gold Card is quick and easy and can be completed online. Approval can take minutes, meaning you’ll be able to access your member benefits and $500 credit line immediately.

Horizon Monthly Fee

As mentioned above, there is a monthly subscription fee of $24.95 associated with the Horizon Gold Card. However, this accompanies the benefits plan. This adds up to the equivalent of a $300 annual fee, which may be slightly off-putting.

The benefits plan membership fee is auto-debited monthly and shows on your bank statement as Horizon Card Services. In addition, Horizon Gold Card activation requires that this monthly fee be paid on time. You can also cancel your card account at any time by calling Member Services at 1-800-251-6144. Check their website for Horizon Card Services customer service hours.

Horizon Outlet Store

Shopping at the Horizon Outlet is easy. Products include men’s clothingwomen’s clothingtoys, and much more. The Horizon Outlet even has toys and jewelry. If you don’t plan to make ample purchases from their online store, another card offer may better suit your needs.

How Does the Horizon Gold Compare to Other Cards?

The Horizon Card is a catalog card – a unique type of retail credit card. The card acts similarly to other cards like it’s sibling, the Group One Platinum and another competitor – the Fingerhut Card from WebBank.

What is The Fingerhut Credit Card?

The Fingerhut Credit Card, like the Horizon Card, features lower credit score needed requirements than other types of credit card offers. Unlike the Fingerhut Card, however, the Horizon Card does not require a downpayment. The Fingerhut Card requires a $30 initial payment for a credit limit fo up to $250. The Horizon Card requires no deposit for an unsecured credit line of $500.

Which Is Better: Horizon Gold Vs. Fingerhut?

Since the Fingerhut credit card account offers a lower limit, it may be a bad option for people with bad credit. While the card is one of the easiest cards to get with bad credit, the Horizon Card offers significantly more value.

Like the Horizon Gold, Fingerhut reports to all the major credit bureaus. Unlike the Horizon, however, Fingerhut credit card accounts come with a 29.99% APR on purchases.

The Horizon Card’s 0% interest on purchases and $500 unsecured credit line, double that of the Fingerhut Card account, make the card a more enticing credit-building option than Fingerhut’s Card.

Should You Apply for the Horizon Gold Card?

Perhaps the biggest caveat with the Horizon Gold is that you can only use it at the Horizon Outlet. Other options, such as secured cards like the OpenSky Visa Secured Credit Card, can be used to make purchases anywhere. Most traditional credit cards and secured cards do not limit cardholders to one outlet or retailer. Also, the monthly fee is much higher than the annual fees that accompany many traditional credit cards.

All in all, the Horizon Gold Card is a good opportunity for anyone who wants to build their credit. Although it doesn’t work like a typical credit card, the Horizon Gold card is not a scam – it’s a real deal that will attract folks who love to shop at the Horizon Outlet. If you’re looking for an exclusive marketplace to shop at often, it’s a great fit.

There is no credit check, which means you won’t see a hard inquiry hit your credit report after you apply. Remember, even with secured cards, there’s no guarantee of approval – so if you’re struggling with your credit, the Horizon Gold Card may be a good first step in the right direction.

Other Cards to Consider

While the Horizon Gold Card 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 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 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 than Mastercard (though this card can only be used in the United States)
  • 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
  • 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 -

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 than Mastercard (though this card can only be used in the United States)
  • 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 Horizon or 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.