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

Horizon Gold Card

Claimed
in Personal Credit Cards from Horizon Card Services
SuperMoney Net Recommendation Score -40  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -40, equating to 2.2 on a 5 point rating scale.

-40

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.

Mostly not recommended

4 users recommend
1 user is unsure
10 users don't recommend
Browse Reviews: 4 Recommendations | 10 Complaints
Leave a Review
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Highlights
Community Rating Mostly not recommended
Purchase APR  (Variable APR) Starting at 0%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 600
Annual Fee $299.40
Number of Reviews 15

Horizon Gold Card Review

This is a store credit card issued by Horizon Card Services. If you're wondering whether Horizon Gold card is the right card for you, read on. This review will provide you with with all the details you need 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 have relatively good approval odds.
Pros & Cons of Horizon Gold card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • Considers applicants with fair or poor credit.
  • Charges an annual fee of $299.4
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.
  • Does not include many credit card benefits.
Horizon Gold card FAQ

Does Horizon Gold card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Horizon Gold card benefits?

It provides the following benefits:

  • Emergency Support
  • Zero fraud liability

What are the relevant APRs for Horizon Gold card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Horizon Gold Card has a variable purchase APR starting at 0% .

Does Horizon Gold card have an intro APR offer on balance transfers?

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

Does Horizon 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 Horizon Gold card?

The following fees apply:

Horizon Gold card Fees
Fees Amount
Annual Fee $299.40
Initial Program Fee $5
Returned Payment Fee $25
Late Payment Fee $20

How do people rate the customer service and user experience of Horizon Gold card?

Overall, Horizon Gold card is mostly not recommended based on community reviews that rate customer service and user experience.

How to apply for Horizon Gold card

  • Visit the Horizon 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

  • Headquarters
  •   1707 Warren Rd
    Indiana, PA 15701
  •   Visit Site

About Horizon Gold Card

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

Availability

  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
Annual Fee $299.40
Returned Payment Fee $25
Late Fee Amount $20
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 600
Credit Card Benefits
  • Emergency Support
  • Fraud Liability
Rewards Type No Rewards
Balance Computation Revolving
Credit Limit Up to $500
Purchase APR (Variable APR) Starting at 0%
Card Type
  • Store Card
  • Bad Credit
Card Network Other

Horizon Gold Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -40, equating to 2.2 on a 5 point rating scale.

-40

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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† 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.