Who is Horizon Gold Designed For?

The Horizon Gold is designed for people with bad credit or no credit who want an unsecured card to repair or build their credit and would also like to purchase items online at www.HorizonOutlet.com. Horizon Outlet is a members-only website that sells a wide variety of merchandise.

All applicants are guaranteed a $500 line of credit at the store, without any credit or employment check. Having an unsecured line of credit with a store can help people repair or rebuild their credit. Notice, however, that Horizon Gold is a store-only card. It cannot be used anywhere else. It isn't a credit or debit card; and it isn't associated with Mastercard, Visa, American Express® or any other bank or credit services organization.

What are the Rates?

Horizon Gold has a 0% APR. Instead, it makes money from fees and sales on Horizon Outlet. Cardholders do have to pay a minimum amount every month, generally 5% of the account balance.

What Are the Fees?

Horizon Gold charges a monthly maintenance fee of $6. The maintenance fee is waived for cardholders who enroll in Horizon Gold's monthly membership benefit plan. The monthly membership fee costs $24.95 and includes travel, medical and legal benefits that are provided to cardholders at no additional cost.

Cardholders can also apply for the basic starter benefits plan, which costs $6.95. However, the basic plan does not include all the benefits attached to the full monthly membership plan.

What Is the Rewards Program Like?

Horizon Gold doesn't have a rewards program, but it does allow users exclusive access to purchase merchandise at the Horizon Outlet Website.

What about the Signup Bonus?

There is no signup bonus.

Any Other Benefits?

Members of Horizon Gold's monthly membership benefit plan receive a wide selection of benefits, such as privacy protection, discount prescription, roadside assistance and legal assistance. However, the main benefit for most cardholders is that Horizon Gold guarantees it will report to at least one major credit bureau, something few other store cards will do.

How Is It Better Than Other Credit Cards?

Horizon Gold offers a $500 line of credit at its Horizon Outlet website without requiring a security deposit, a credit check or an employment check. The application process is fast and easy to complete, and credit approval is guaranteed. When used responsibly, this card can help cardholders build or repair their credit. It also allows people with bad or no credit to shop online at their outlet website without the need of a regular credit or debit card.

Important Disclosures: https://www.horizoncardservices.com/pg3/terms.php

  • Credit Score Range
    300 - 600
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Customer Type
  • Annual Fee
  • Initial Processing Fee
  • Late Payment Penalty
  • Returned Payment Fee
  • 0% Introductory APR
  • Card Network
  • Balance Computation
  • Credit Limit
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