Is Freedom Gold Card the right fit for you?

1 more

Last Updated: 11/18/2025

Freedom Gold Card

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

No, it does not offer a rewards program. Free Credit Report, and Travel Assistance Click here for a full list of benefits.

from Horizon Card Services

Last Updated: 11/18/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Verified by:

Horizon Card Services

Visit Site

Mostly recommended11 total votes

6 users recommend

4 users are unsure

1 users don't recommend

Cast Your Vote

Compare All Credit Cards

Filter & compare all your options in one place.

View All Products

Highlights

Community Rating

Mostly recommended

Purchase APR (Fee-Based Product)

N/A(Verified 11/18/2025)

Balance Transfer APR (Fee-Based Product)

N/A(Verified 11/18/2025)

Credit Score Range

300 - 600

Annual Fee

Number of Reviews

Freedom Gold Card Review

Click here for more details how to use it. The card is issued by Horizon Card Services. It is designed for people with bad credit who want to shop online but don't qualify for a regular card. If you're wondering whether Freedom Gold Card is the right card for you, read on.

Key Takeaways

No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
Poor credit accepted. This card will consider people who have poor credit.

Pros & Cons of Freedom Gold Card

The Good

The Bad

No annual fee.
Travel assistance insurance
Considers applicants with fair credit.

Does not offer a signup bonus.
Does not offer rewards or cash back.
You don't earn rewards on every purchase.

Freedom Gold Card FAQ

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

No, it does not offer a rewards program.

Freedom Gold Card Rewards Breakdown

Description

Free Credit Report
Travel Assistance

Click here for a full list of benefits.

What are the relevant APRs for Freedom Gold Card?

This is a charge card and therefore doesn't have a regular APR or interest charges. You must pay your balance in full every month.

What are the fees for Freedom Gold Card?

Freedom Gold Card Fees

Description

Annual Fee

Paper Statement Fee

Starting at $0

Initial Program Fee

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

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

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

What is the support contact email for Freedom Gold Card?

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

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

Overall, Freedom Gold Card is mostly recommended based on community reviews that rate customer service and user experience.

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

Freedom Gold Card does not report to any of the major credit bureaus. Creditors are not required to report payment activity to credit bureaus. However, making regular on-time payments to a creditor that reports to one or more credit bureaus may help build your credit.

Does Horizon Card Services perform a hard credit pull?

Yes, Freedom 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 Freedom Gold Card

Visit the website of Freedom 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.

Message from Freedom Gold Card

Please note that the $750 unsecured credit limit is only usable at TheHorizonOutlet.com

The Freedom Gold card is a part of the Horizon Card Services family of credit products. Since 2006, Freedom Gold has since established itself as one of our premier brands with thousands of highly satisfied card holders.

Contact

Headquarters

1707 Warren Rd

Indiana, PA 15701

(800) 251-6144

Visit Site

Email Support

Other Services by Horizon Card Services

Other Credit Cards from Horizon Card Services

Boost Platinum Credit Card

Strongly recommended

7 reviews

Purchase APR

N/A

Balance Transfer APR

N/A

Credit Score Range

300 - 850

300

850

Annual Fee

Visit Site

Net First Platinum

Mostly recommended

9 reviews

Purchase APR

N/A

Balance Transfer APR

N/A

Credit Score Range

350 - 700

300

850

Annual Fee

$177.24

Visit Site

Group One Platinum Card

Mostly recommended

18 reviews

Purchase APR

Disclaimer popup with additional information

Balance Transfer APR

N/A

Credit Score Range

300 - 640

300

850

Annual Fee

$177.24

Visit Site

Focus Gold Card

Rating not yet determined

Be the first to rate

Purchase APR

N/A

Balance Transfer APR

N/A

Credit Score Range

300 - 850

300

850

Annual Fee

$117.24

Visit Site

Horizon Gold Card

Mostly not recommended

15 reviews

Purchase APR

Starting at 0%

Disclaimer popup with additional information

Balance Transfer APR

N/A

Credit Score Range

300 - 600

300

850

Annual Fee

$299.40

Visit Site

SuperMoney Net Recommendation Score

SuperMoney users mostly recommend this product, giving it a user recommendation score of +45, or 3.9 on a 5-point rating scale.

+45

-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.

Freedom Gold Card Community Reviews

Would you recommend Freedom Gold Card to your friends?

Lashane H.

Dec 3, 2021

May or may not recommend

it can be a great option for people with poor credit or who are unbanked. The card reports account activity to credit bureaus, so responsible use can help you build credit

Andrew H.

Aug 12, 2021

May or may not recommend

A barebones card that doesn't give rewards, and costs $72 per year to hold. For people with poor credit only.

Florencia C.

Jul 22, 2021

May or may not recommend

I think that Freedom Gold Card is great because it requires no credit checks or employment checks to apply. The application process is quick and easy and what's even more great is that it only requires a valid and active U.S. credit card, debit card, checking, or savings bank account. I definitely recommend it.

Michael B.

Jul 20, 2021

May or may not recommend

For a young man my age, attempting to stabilize his financial future, Freedom Gold's Personal Credit Card simply does not provide enough fiscal reasoning to become a user. From the annual fee of $72 to no rewards or cash back offered, I felt comfortable taking my business elsewhere.

Daniel J.

Jun 8, 2021

May or may not recommend

For that flexibility, it allows me during my vacation I give it a thumbs up.

Adam A.

Jun 3, 2021

May or may not recommend

I highly would recommend this company to someone who has a bad credit score and people who are trying to work on their credit score, other than that I would not recommend it because there is no rewards or a sign up bonus.

Shadrack H.

Apr 26, 2021

May or may not recommend

When the representative was speaking about the rates. they won’t aligning with what I want. But somebody else could benefit from it. I just didn’t want to have the rates they wanted to offer me.

Layla D.

Apr 23, 2021

May or may not recommend

I had zero credit history when I applied for this aside from student loans. I applied on their website and honestly did not think I was going to get approved but I was! It reports to all the credit bureaus and helped me build my credit before my boyfriend destroyed it. Now, it’s helping me build it back up again!

Jacob G.

Jan 12, 2021

May or may not recommend

i just got the card one week ago. i highly recommend it. it has everything it needs to have in a card. 100% highly suggest to buy this card

Leigha W.

Dec 23, 2020

May or may not recommend

I like this card because it's easy to get accepted for but the only thing is that the selection of products you can buy are limited and you can only buy from the designated stores, which has a limited selection. But for the fee you pay I think it's worth the credit you get in store with their card.

Adesola A.

Oct 31, 2020

May or may not recommend

I got the freedom gold card which is a catalog card valid at the horizon outlet for only merchandise. It has a 0% APR with $500 as my starting credit limit. I was automatically enrolled in the Horizon card services membership, with a monthly payment of $24.95 which is fine.

Showing 11 of 11 reviews