Last Updated: 07/28/2025
SuperMoney User Recommendation Score -40
Mostly not recommended15 total votes
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Highlights
Community Rating
Mostly not recommended
Purchase APR (Variable APR)
Starting at 0%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
300 - 600
Annual Fee
$299.40
Number of Reviews
Horizon Gold Card Review
This is a store card issued by Horizon Card Services. If you're wondering whether Horizon 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 Horizon Gold card
| The Good | The Bad |
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Horizon Gold card FAQ
Does Horizon Gold card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Emergency Support
- Zero fraud liability
What are the relevant APRs for Horizon Gold card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Horizon Gold Card has a variable purchase APR starting at 0%. Horizon Gold Card does not offer balance transfers.
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. Horizon Gold Card does not offer 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $299.4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $299.4.
There is a late fee of up to $20 . What is the customer service phone number for Horizon Gold card?
The customer service number for Horizon Gold card is (800) 251-6144.
What is the support contact email for Horizon Gold card?
The support contact email for Horizon Gold card is help@horizoncardservices.com.
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.
Does Horizon Card Services perform a hard credit pull?
Yes, Horizon 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 Horizon Gold card
- Visit the website of Horizon 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.
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