Merit Platinum Card

Merit Platinum Card

in Personal Credit Cards from Horizon Card Services


Merit Platinum Card


in Personal Credit Cards from Horizon Card Services

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Purchase APR  (Fixed APR) 0%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 300 - 600
Annual Fee $299.40

Merit Platinum Card Review

Merit Platinum Card is a credit card issued by Horizon Card Services. If you're wondering whether Merit Platinum Card is the right card for you, read on. This is everything you need to know 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 qualify.
Merit Platinum Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Credit history not required.
  • Considers applicants with fair or poor credit.
  • 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 rewards.
Merit Platinum Card FAQ

Is there a Merit Platinum Card cash back or rewards program?

No, Merit Platinum Card does not offer a rewards program.

What are the relevant APRs for Merit Platinum Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Merit Platinum Card has lower than average purchase APRs.

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

Does Merit Platinum Card have an introductory APR offer on balance transfers?

No, Merit Platinum Card does not come with an introductory APR offer for balance transfers.

Does Merit Platinum Card have an introductory APR offer on new purchases?

Merit Platinum Card does not offer an introductory rate on new purchases.
Merit Platinum Card Purchase Intro Offer
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Merit Platinum Card?

The following fees apply to Merit Platinum Card:

Merit Platinum Card Fees
Fees Amount
Annual Fee $299.40
Returned Payment Fee $25
Late Payment Fee $20

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

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 can help improve your credit.

How to apply for Merit Platinum Card

  • Visit the Merit Platinum 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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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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.


About Merit Platinum Card

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View all personal credit cards offered by Horizon Card Services


  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

Annual Fee $299.40
Returned Payment Fee $25
Late Fee Amount $20
Credit History Not Required  
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 600
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Rewards Type No Rewards
Balance Computation Revolving
Purchase APR (Fixed APR) 0%

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