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Last Updated: 07/28/2025

Horizon Gold Card

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

No, it does not offer a rewards program. Emergency Support, and Zero fraud liability Click here for a full list of benefits.

from Horizon Card Services

Last Updated: 07/28/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Mostly not recommended15 total votes

4 users recommend

1 users are unsure

10 users don't recommend

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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

Potentially lower than average purchase APRs.
Considers applicants with fair 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.

Horizon Gold card FAQ

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

No, it does not offer a rewards program.

Horizon Gold card Rewards Breakdown

Description

Emergency Support
Zero fraud liability

Click here for a full list of benefits.

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?

Horizon Gold Card Fees

Description

Returned Payment Fee

$25

Annual Fee

$299.4

Late Fee Amount

$20

Initial Program Fee

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.

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

Email Support

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SuperMoney Net Recommendation Score

SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -40, or 2.2 on a 5-point rating scale.

-40

-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.

Horizon Gold Card Community Reviews

Would you recommend Horizon Gold Card to your friends?

Josh F.

Apr 6, 2022

May or may not recommend

Never reported. Only buy from there online store has over priced no name brand items and I looked 2 weeks and still did not find anything I even needed. All for a cc that didn't report. Waste of money and time.

Anonymous

Mar 23, 2022

May or may not recommend

They are a worthless product Still have my account They claim Equifax no longer Allows them to report and after 3 months, they have not started reporting to another agency for credit improvement FISHY

Timothy H.

May 22, 2021

May or may not recommend

I never received a card from these crooks but was charged for a card.

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

May or may not recommend

i would definitly recomend horizon gold card. my mom just recently got hers in the mail, very very very good

Daniel E.

Dec 10, 2020

May or may not recommend

I had a 450 credit score and I only had gotten this to gain credit, I started off with a 500 limit and now I have a 2000$ credit limit and I only spent 200$ from it, as long as you pay each month your account will be in 100% good standings I mean for 25.00$ a month I have a 2000$ limit and my Equifax score went from a ...Show More

Chelsey E.

Oct 24, 2020

May or may not recommend

Terrible service all round. Poor customer help lines, poor management, and even worst payment conditions. Had a card because I was desperate for some necessaties for my home to buy and they required another card to do the final check outs. Why would I need another credit card if I already have one? Not to mention the monthly fees are ridiculous and they give you very little time to pay ...Show More

Austin B.

Oct 19, 2020

May or may not recommend

The Horizon Gold Card was easy to obtain, and I can manage it well. I'm new to credit cards, and I'm often confused by how they work, and how to stay on top of my payments. HorizonCard services made the process extremely simple, and their process is very easy to use. I would recommend this to everyone!

Kitty H.

May 17, 2020

May or may not recommend

Very high interest rate. Payment is due within 30 days of ordering a product

Anonymous

Feb 11, 2020

May or may not recommend

Complete and utter scam to do nothing more than report to "One" credit bureau that you're paying on time a high interest rate for junk that was made in china for pennys on the dollar. If you're desperate for one account to build credit, get the account but charge NOTHING and it will act as a placeholder for a 0.00 account with a 500.00 balance.

Sharon G.

Sep 5, 2019

May or may not recommend

I just found my card and I can’t. Wait to activate it .’and let’s get shopping . Lol

Anonymous

Jun 12, 2019

May or may not recommend

Tried making a purchase. When I went to check out it asked me for my credit card to pay for the shipping/handling and processing fee. If I have a $500 limit on this card why do I need to pay for the order with another credit card. Stay away from this card and company. I'm going to destroy the card I have.

Anonymous

Mar 20, 2019

May or may not recommend

Do not get involved with this credit card company when you try to cancel they do not listen to you they continue to try to sell you things upgrade and keep you it is the worst company to try to get cancelled from this card offers you nothing there a website has overpriced t-shirts and things nothing really that exciting that you would want to buy you have to pay ...Show More

Chris B.

Feb 15, 2019

May or may not recommend

They opened an account in my name with out me knowing it until I checked my credit report now I’m about to sue there ass I would not recommend them