Horizon Card Services

Horizon Card Services offers an array of merchandise cards, like the popular Merit Platinum Card This card, from Horizon Card Services, offers a $500 credit limit to shop exclusively at the Horizon Outlet. Browse offers from our partners below:

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Group One Platinum Card

No Credit Required

Group One Platinum Card
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network N/A
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

Merit Platinum Card

Bad Credit, No Credit? No Problem!

Merit Platinum Card
  • Regular Purchase APR 0%
  • Annual Fee None
  • Credit Needed Fair , Poor , No Credit Required
  • Processing Network N/A
Best Benefits
  • Bad Credit, No Credit? No Problem
  • Reports to Major Credit Bureau
  • Fast and Easy Application
  • No Employment or Credit Check
Rates & Fees
  • Regular Purchase APR: 0%

NetFirst Platinum Card

Instant Approval / $750 Credit Line!

NetFirst Platinum Card
  • Regular Purchase APR 0%*
  • Annual Fee None*
  • Credit Needed Fair , Poor
  • Processing Network N/A
Best Benefits
  • Instant Approval / $750 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit – OK
  • Always 0.00% APR
  • Fast Online Application
  • *See Card for Details
Rates & Fees
  • Regular Purchase APR: 0%*
  • Annual Fee: None*

Freedom Gold Card

$750 Unsecured Credit Limit

Freedom Gold Card
  • Regular Purchase APR 0%*
  • Annual Fee None
  • Credit Needed Fair , Poor , No Credit Required
  • Processing Network N/A
Best Benefits
  • $750 Unsecured Credit Line
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast Online Application
  • Reports to a Major Credit Bureau
  • Bad Credit – OK
  • *See site for details
Rates & Fees
  • Regular Purchase APR: 0%*

Principal Platinum Card

Fast Online Applications

Principal Platinum Card
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
Best Benefits
  • Instant Approval / $750 Credit Line
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit – OK
  • Always 0.0% APR
Rates & Fees
     

    About Horizon Card Services

    Horizon is a family of credit products designed for consumers with bad credit or no credit history. The company began operations in 2006  and became well-known for its Horizon Gold Card (no longer accepting new applicants). 

    The Horizon Gold Card was a merchandise card that offered a line of unsecured credit towards purchases at the Horizon Outlet – an online shopping portal featuring  variety of consumer goods.  Unlike other store cards, however, the Horizon Card does not work in a physical location. Additionally, the card features no APR on purchases – with customers repaying their balance every month.

    While the Horizon Gold Card is no longer available, there are a suite of Horizon Cards, including the Net First, Merit Platinum, and Freedom Gold cards. All these catalog cards offer an instant credit line, the ability to build credit with no-time payments, and the chance to purchase select merchandise at competitive prices. 

    FAQs About Horizon

    Here are answers to some commonly-asked questions about Horizon Card Services:

    • Yes. The Horizon Card products offer a route towards better credit with regular payments and responsible use. Keep in mind, however, that the cards also feature monthly service fees.
    • The Merit Platinum, like other Horizon products, is usable at the Horizon Outlet
    • Yes and no. The Group One, Net First, Merit, and Freedom Gold cards are all merchandise cards. This means they offer unsecured credit at the Horizon Outlet for purchases made at that site. In many ways the card is like a store credit card. You won’t be able to use it other merchants, like a typical credit card, however.

    Other Similar Card Offers

    Here are a few other catalog and merchandise card offers you might want to consider:

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