Horizon Gold Card

in Personal Credit Cards

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Horizon Gold Card


in Personal Credit Cards

SuperMoney Net Recommendation Score -100% 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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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 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:

SUPERMONEY Disclosure: 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...


  • Headquarters
  •   1707 Warren Road
    Indiana, PA 15701 USA
  •   Visit Site


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  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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

Feature Breakdown

Late Payment Penalty $20
Returned Payment Fee $25
Initial Processing Fee $5
Annual Fee $299.40
Minimum Age 18
Credit Score Range 300 - 600
850 300 600
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Credit Card Benefits
  • Emergency Support
Purchase APR (Variable APR) Starting at 0%
Balance Computation Revolving
Credit Limit 500



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