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NetFirst Platinum Card

Cory Santos

| Last updated on February 14th, 2024

NetFirst Platinum Card

NetFirst Platinum Card
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
None Processing Network
None* Annual Fee

NetFirst Platinum Card

  • 0%* Regular Purchase APR

At a Glance

The NetFirst Platinum Card is a retail merchandise card from Horizon Card Services. The card features a 0% APR on purchases, an unsecured credit limit of $750*, and no credit checks or employment checks.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Instant Approval / $750 Credit Line!**
  • No Employment or Credit Check
  • Bad Credit, No Credit - OK
  • Always 0.00% APR
  • Fast Online Application
  • *See Card for Details
  • **Usable only at
  • Regular Purchase APR: 0%*
  • Annual Fee: None*
  • You have bad credit or no credit history
  • You want a payment card for convenience that will not require a credit check or employment check
  • You want additional benefits like roadside and legal assistance

In-Depth Review: NetFirst Platinum Merchandise Card

The NetFirst Platinum Merchandise Card is a catalog card from Horizon Card Services. The card is designed to help those who have difficulty finding credit cards build credit while shopping at an expansive 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

The NetFirst Platinum requires no credit checks or employment checks to apply. Horizon has a quick and easy application process. The only requirements to apply are a valid and active U.S. credit card, debit card, savings, or checking account.

7-Day Free Trial

One of Horizon Services’ unique features is offering a 7-day trial period. New cardholders can use their new NetFirst Platinum Card to purchase 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 NetFirst Platinum 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 NetFirst Platinum Card 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 NetFirst Platinum Card 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).

Other Merchandise Cards to Consider

Pros and Cons of Group One Platinum Card

Group One Platinum Card has pros and cons like any credit card. Some advantages include the high credit limit, competitive interest rate, and excellent customer service.

On the other hand, the card may have an annual fee and require a good credit score for approval. It’s essential to weigh these factors before deciding if Group One Platinum Card is the right choice for you.


Here are answers to the most commonly asked questions about the Horizon Outlet and the NetFirst Platinum 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 NetFirst Platinum and other Horizon Cards are available in all 50 US states.

Horizon Card Services Ratings

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

Should You Apply for the NetFirst Platinum Card?

Despite the closed-loop shortcoming, the NetFirst Platinum Merchandise Card is good to build your credit score. Although it doesn’t work as a traditional credit card and won’t work where a Visa or Mastercard will, it is an excellent option for those who struggle to find banks willing to lend to them.

All in all, the NetFirst Card is a good opportunity for anyone who wants to build their credit. It’s not a credit card, but it is a 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.  

*Usable only at

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