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Last Updated: 07/28/2025

Focus Gold Card

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

No, it does not offer a rewards program. Zero fraud liability, and Reports to major credit bureaus

from Horizon Card Services

Last Updated: 07/28/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

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Highlights

Purchase APR (Variable APR)

N/A

Balance Transfer APR (Variable 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 poor credit.

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.

Focus Gold Card FAQ

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

No, it does not offer a rewards program.

Focus Gold Card Rewards Breakdown

Description

Zero fraud liability
Reports to major credit bureaus

What are the relevant APRs for Focus Gold Card?

Focus Gold Card does not offer balance transfers.

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. Focus Gold Card does not offer 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?

Focus Gold Card Fees

Description

Annual Fee

$117.24

This card charges an annual fee of $117.24.

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

The customer service number for Focus Gold Card 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.

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 to the following credit bureaus:

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 build your credit.

Does Horizon Card Services perform a hard credit pull?

Yes, Focus Gold Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Focus Gold Card

Visit the website of Focus Gold Card.
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

Headquarters

1707 Warren Rd

Indiana, PA 15701

(800) 251-6144

Visit Site

Email Support

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.