NetFirst Platinum Card

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.

Ideal for Those Who:

• Have bad credit or no credit history
• Want a payment card for convenience that will not require a credit check or employment check
• Want additional benefits like roadside and legal assistance

NetFirst Platinum Card Review

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

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.

$750 Line of Credit

The NetFirst Platinum Card comes with 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 that the card only works for purchases at the Horizon Outlet. The Net First Platinum Card cannot be used at other stores, pumping gas, or other purchases.

7-Day Free Trial

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

Build Credit with Regular Reporting

Like other products from Horizon Card Services, the NetFirst Platinum Card reports to the major credit bureaus regularly. By making on-time payments each month and keeping their credit use low, cardholders can quickly build their credit history with the card.

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:

• My Legal Assistance: Access to legal resources, including a free 30-minute legal consultation (excluding defense services)
• My Roadside Protection:  Access to three free towing or service requests in 12 months. However, members can use no more than one request in 30 days, and towing is limited to 15 miles (or $50)
• Credit Hawk: Free 24/7 credit monitoring through Credit Hawk
• My Universal RX: Discounts up to 40% on qualified medications at certain local pharmacies.
• Privacy Protection: Protects members information while making purchases at the Horizon Outlet website

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.