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Last Updated: 07/28/2025

Group One Platinum Card

Q: Does Group One Platinum card have a cash back or rewards program?

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

from Horizon Card Services

Last Updated: 07/28/2025

Mostly recommended18 total votes

9 users recommend

4 users are unsure

5 users don't recommend

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Highlights

Community Rating

Mostly recommended

Purchase APR (Variable APR)

0%(Verified 06/21/2024)

Disclaimer popup with additional information

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

300 - 640

Annual Fee

$177.24

Number of Reviews

Group One Platinum Card Review

This is a store card issued by Horizon Card Services. If you're wondering whether Group One Platinum Card is the right card for you, read on.

Key Takeaways

APRs: Group One Platinum Card has a variable regular purchase APR of 0%
Poor credit accepted. This card will consider people who have poor credit.

Pros & Cons of Group One Platinum card

The Good

The Bad

My Roadside Protect included in membership.
Potentially lower than average purchase APRs.
Considers applicants with fair credit.

Credit line can only be used at the Horizon Outlet.
$14.77 monthly fee for all cardholders.
Charges an annual fee of $177.24
Does not offer a signup bonus.
Does not offer rewards or cash back.
You don't earn rewards on every purchase.

Group One Platinum card FAQ

Does Group One Platinum card have a cash back or rewards program?

No, it does not offer a rewards program.

Group One Platinum card Rewards Breakdown

Description

Emergency Support
Zero fraud liability
Reports to major credit bureaus

What are the relevant APRs for Group One Platinum card?

According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of September 2026) is 22.15%. This card has lower than average regular APRs.

Group One Platinum Card has a variable purchase APR of 0%. Group One Platinum Card does not offer balance transfers.

Does Group One Platinum card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers. Group One Platinum Card does not offer balance transfers.

Does Group One Platinum 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 Group One Platinum card?

Group One Platinum Card Fees

Description

Annual Fee

$177.24

Initial Program Fee

This card charges an annual fee of $177.24.

What is the customer service phone number for Group One Platinum card?

The customer service number for Group One Platinum card is (800) 251-6144.

What is the support contact email for Group One Platinum card?

The support contact email for Group One Platinum card is help@horizoncardservices.com.

How do people rate the customer service and user experience of Group One Platinum card?

Overall, Group One Platinum card is mostly recommended based on community reviews that rate customer service and user experience.

Does Group One Platinum Card report your account activity to credit bureaus?

Yes, Group One Platinum Card reports to the following credit bureau:

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, Group One Platinum 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 Group One Platinum card

Visit the website of Group One Platinum 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 Group One Platinum card

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

The Group One Platinum card is a part of the Horizon Card Services family of credit products. Horizon Card Services is not a credit services organization, banking institution or insurance company, nor is it affiliated with any credit services organization, banking or insurance institution. Horizon Card Services does not facilitate or provide assistance in obtaining credit from any other credit-issuing entities. Horizon Card Services does not charge an advanced fee to establish credit and does not attempt or claim to attempt to repair a customer's credit history. Since 2006, Group One Platinum has since established itself as one of our premier brands with thousands of highly satisfied card holders.

The Group One Platinum Account is a line of credit that can be used by an Accountholder to shop exclusively at our online shopping website www.TheHorizonOutlet.com. This product is not a Visa, Mastercard, or debit card. After obtaining a Group One Platinum Account, you can make purchases of select items available at or through our website. There are no down payment requirements for purchases at our website. You may not use the Group One Platinum Account to pay shipping and processing fees. Instead, you must use a valid and active U.S. credit card or debit card to pay for shipping and processing for your Horizon Outlet purchases and to pay your Group One Platinum Account fees.

Created by

Fact Checked by

SuperMoney

Andrew Latham

Contact

Headquarters

1707 Warren Rd

Indiana, PA 15701

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Availability

Available in 50 states and Washington, D.C.

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
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
West Virginia
Wisconsin
Wyoming

SuperMoney Net Recommendation Score

SuperMoney users mostly recommend this product, giving it a user recommendation score of +22, or 3.4 on a 5-point rating scale.

+22

-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.

Reviewer Sentiment Over Time

Group One Platinum Card Community Reviews

Would you recommend Group One Platinum Card to your friends?

Lucy M.

May 10, 2024

Would not Recommend

spam spam spam break into your bank account big trouble had to change email and debit card

Anonymous

Jul 13, 2021

May or may not recommend

I'm not sure yet because I have not received anything about it yet

Vito G.

Jan 17, 2021

May or may not recommend

the card’s website advertises an unsecured $500 credit limit, not to mention credit bureau reporting, no employment or credit check and a “fast and easy application.” If you have limited or bad credit, it sounds ideal.

Jacob G.

Jan 12, 2021

Would Recommend

i would definitly recommend group one platinum card. my dad recently got his in the mail, and he loved it!

Felicia I.

Jan 7, 2021

Would Recommend

It helps people when there with out God bless the Thinty 3

Susan M.

Oct 16, 2019

Would not Recommend

They take 25.00% otta my bank card and I've never bought anything from thier site.....smh....pissed off in Boston

Heather S.

Sep 10, 2019

Would Recommend

Awsome service would tell my friend about it

Anonymous

Jul 22, 2019

Would Recommend

I just ordered this card and am waiting amd looking forward to building my credit

Jessie D.

Jun 19, 2019

May or may not recommend

Because I like it a lot more than other cards

Ray M.

Mar 9, 2019

Would Recommend

Look forward to shopping with group one platium looks like there is sum descent things to buy n fix up my bedroom

Joe A.

Jan 25, 2019

Would Recommend

i would say, so far, so good no problems yet

Agent Kevin R.

Dec 8, 2018

Would not Recommend

You can only use it on there store and no where else. Would be so much better if it was like all the other unsecured cards, but it is not. Plus they make you pay for the shipping, and refuse to take it from the card balance.

Cheryl A.

Nov 10, 2018

Would Recommend

Applying and the decision process was easy and not complicating like other's.

Jennifer R.

Oct 12, 2018

May or may not recommend

I still don't have my 500 hundred dollars in that account and it was payed days ago,and my card was activated it and still no money

Brittney W.

Sep 26, 2018

Would Recommend

The experience was great! I really could understand everything and the steps were simple!

Konica T.

Sep 4, 2018

Would not Recommend

I clearly didn't understand that this wasn't a credit card but I gave the site a chance by browsing their items I was veryunhappy so I cancelled and they took six dollars from me instead of returning my full refund these people are full of shit I don't recommend them

Gail M.

Jul 27, 2018

Would Recommend

I signed up & took my info with my debit card & I have fattened no response...

Randi D.

Jul 24, 2018

Would not Recommend

It says a 500 credit limit but ask for a Visa card number why if I have a 500 limit so I can’t check out because I don’t have money in my checking account I was trying to order clothes since I had a 500 limit for my new job but thanks for taking my last 6$ to activate the card and I can’t even check out thanks a lot ...Show More

Showing 18 of 18 reviews