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  Merit Platinum Card
Merit Platinum Card Claimed

Merit Platinum Card

Claimed
SuperMoney Net Recommendation Score +83  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +83, equating to 4.7 on a 5 point rating scale.

+83

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.

Strongly recommended

5 users recommend
1 user is unsure
0 users don't recommend
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Highlights
Community Rating Strongly recommended
Purchase APR  (Fixed APR) 0%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 300 - 600
Annual Fee $299.40
Number of Reviews 6

Merit Platinum Card Review

This is a credit card issued by Horizon Card Services. If you're wondering whether Merit credit 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

  • Competitive APRs. Merit Platinum Card has a fixed purchase APR of 0%
  • 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 Merit credit card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Considers applicants who don't have a credit history.
  • Merit Platinum Card reports to multiple credit bureaus.
  • 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 include many credit card benefits.

Merit credit card FAQ

Does Merit credit card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Merit credit 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.

Merit Platinum Card has a fixed purchase APR of 0%.

Does Merit credit card have an intro APR offer on balance transfers?

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

Does Merit credit 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 Merit credit card?

The following fees apply:

Merit credit card Fees
Fees Amount
Annual Fee $299.40
Returned Payment Fee $25
Late Payment Fee $20

What is the customer service phone number for Merit credit card?

The Merit credit card customer service number is (800) 251-6144.

What is the support contact email for Merit credit card?

The support contact email for Merit credit card is help@horizoncardservices.com.

What is the Merit credit card login page?

You can access the Merit credit card login page here.

How do people rate the customer service and user experience of Merit credit card?

Overall, Merit credit card is strongly recommended based on community reviews that rate customer service and user experience.

Does Merit Platinum Card report your account activity to credit bureaus?

Yes, Merit Platinum Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Merit credit card

  • Visit the Merit credit 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.

Message From Horizon Card Services

Horizon Card Services is not a credit services organization, banking institution or insurance company, nor is it affiliated with any credit services organization, banking or insurance institution. Horizon Card Services does not facilitate or provide assistance in obtaining credit from any other credit-issuing entities. Horizon Card Services does not charge an advanced fee to establish credit and does not attempt or claim to attempt to repair a customer's credit history.

The Merit Platinum Account is a line of credit that can be used by an Accountholder to shop exclusively at our online shopping website www.TheHorizonOutlet.com. This product is not a Visa, Mastercard, or debit card. After obtaining a Merit Platinum Account, you can make purchases of select items available at or through our website. There are no down payment requirements for purchases at our website. You may not use the Merit Platinum Account to pay shipping and processing fees. Instead, you must use a valid and active U.S. credit card or debit card to pay for shipping and processing for your Horizon Outlet purchases and to pay your Merit Platinum Account fees. Complete our easy application and your results will be ready immediately. If approved you will have instant access to your $750 merchandise credit line along with other benefits.

Contact

About Merit Platinum Card

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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

Annual Fee $299.40
Returned Payment Fee $25
Late Fee Amount $20
Credit History Not Required
Customer Type Personal
Minimum Age 18
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 Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Type No Rewards
Balance Computation Revolving
Credit Limit Up to $750
Purchase APR (Fixed APR) 0%
Card Type
  • Bad Credit
Card Network Other

Merit Platinum Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +83, equating to 4.7 on a 5 point rating scale.

+83

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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