Freedom Gold Card

in Personal Credit Cards from Horizon Card Services

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Freedom Gold Card


in Personal Credit Cards from Horizon Card Services

Net Recommendation Score +67%



Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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2 users recommend
1 user is unsure
0 users don't recommend
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Purchase APR  (Fee or Charge Based Product) N/A
Balance Transfer APR  (Fee or Charge Based Product) N/A
Credit Score Range 350 - 700
Annual Fee $72

Freedom Gold Card Review

Click here for more details how to use it. The card is issued by Horizon Card Services. Freedom Gold Card 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. This is everything you need to know to make a good choice.

Key Takeaways
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
Freedom Gold Card Pros & Cons
The Good The Bad
  • Travel assistance insurance
  • Credit history not required.
  • Considers applicants with fair or poor credit.
  • Reports transactions to Equifax
  • Charges an annual fee of $72
  • 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.
Freedom Gold Card FAQ

Is there a Freedom Gold Card cash back or rewards program?

No, Freedom Gold Card does not offer a rewards program.

What are the Freedom Gold Card benefits?

Freedom Gold Card provides the following benefits:

  • Free Credit Report.
  • Free Credit Report
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Freedom Gold Card?

Freedom Gold Card is a charge card and therefore doesn't have interest charges. You must pay your balance in full every month.

What are the fees for Freedom Gold Card?

The following fees apply to Freedom Gold Card:

Freedom Gold Card Fees
Fees Amount
Annual Fee $72
Initial Program Fee $5
Returned Payment Fee $25
Late Payment Fee $20

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

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

  • Equifax

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 Freedom Gold Card

  • Visit the Freedom 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.

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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.


About Freedom Gold Card

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

Feature Breakdown

Initial Program Fee $5
Paper Statement Fee $0
Annual Fee $72
Returned Payment Fee $25
Late Fee Amount $20
Credit History Not Required
Customer Type Personal
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • Non-Resident
Credit Score Range 350 - 700
Credit Bureau Reporting Equifax
Credit Card Benefits
  • Free Credit Report
  • Travel Assistance
Rewards Type No Rewards
Credit Limit Up to $750
Card Type
  • Store Card
  • Bad Credit
  • Charge Card
Card Network None

Freedom Gold Card Community Reviews


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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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