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  Focus Gold Card
Focus Gold Card
in Credit Cards from Horizon Card Services
Claimed

Focus Gold Card

Claimed
in Credit Cards from Horizon Card Services
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Highlights
Purchase APR  (Variable APR) N/A
Balance Transfer APR N/A
Credit Score Range 300 - 850
Annual Fee $117.24

Focus Gold Card Review

This is a card issued by Horizon Card Services. If you're wondering whether Focus Gold Card is the right card for you, read on.

Key Takeaways

  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Focus Gold Card

The Good The Bad
  • Identity Theft Protection.
  • Considers applicants with fair credit.
  • Focus Gold Card reports to multiple credit bureaus.
  • Charges an annual fee of $117.24
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.

Focus Gold Card FAQ

Does Focus Gold Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Focus Gold Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Focus Gold Card?

Does Focus Gold Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Focus Gold Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Focus Gold Card?

The following fees apply:

Focus Gold Card Fees
Fees Amount
Annual Fee $117.24

What is the customer service phone number for Focus Gold Card?

The Focus Gold Card customer service number is (800) 251-6144.

What is the support contact email for Focus Gold Card?

The support contact email for Focus Gold Card is help@horizoncardservices.com.

What is the Focus Gold Card login page?

You can access the Focus Gold Card login page here.

How do people rate the customer service and user experience of Focus Gold Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Focus Gold Card report your account activity to credit bureaus?

Yes, Focus Gold Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Focus Gold Card

  • Visit the Focus Gold Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

About Focus Gold Card

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View all credit cards offered by Horizon Card Services
View Horizon Card Services Profile

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Annual Fee $117.24
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
APR Type Variable APR
Credit Limit $500
Card Type
  • Bad Credit

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.