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Last Updated: 02/10/2026

Net First Platinum

from Horizon Card Services

Last Updated: 02/10/2026

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Mostly recommended9 total votes

6 users recommend

1 users are unsure

2 users don't recommend

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Highlights

Community Rating

Mostly recommended

Purchase APR (Fee-Based Product)

N/A(Verified 01/23/2024)

Balance Transfer APR (Fee-Based Product)

N/A(Verified 01/23/2024)

Credit Score Range

350 - 700

Annual Fee

$177.24

Number of Reviews

Net First Platinum Review

Click here for more details how to use it. The card is issued by Horizon Card Services. It is designed for people with bad credit who want to shop online but don't qualify for a regular card. If you're wondering whether Net First Platinum 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 Net First Platinum card

The Good

The Bad

Considers applicants who don't have a credit history.

Charges an annual fee of $177.24
Does not offer a signup bonus.
Does not offer rewards or cash back.
You don't earn rewards on every purchase.

Net First Platinum card FAQ

Does Net First Platinum card have a cash back or rewards program?

No, it does not offer a rewards program.

Net First Platinum card Rewards Breakdown

Description

How do people rate the customer service and user experience of Net First Platinum card?

Overall, Net First Platinum card is mostly recommended based on community reviews that rate customer service and user experience.

Does Net First Platinum report your account activity to credit bureaus?

Net First Platinum does not report to any of the major credit bureaus. Creditors are not required to report payment activity to credit bureaus. However, making regular on-time payments to a creditor that reports to one or more credit bureaus may help build your credit.

Does Horizon Card Services perform a hard credit pull?

Yes, Net First Platinum 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 Net First Platinum card

Visit the website of Net First Platinum 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.

Message from Net First Platinum card

Please note that the $750 unsecured credit limit is only usable at TheHorizonOutlet.com The Net First Platinum card is a part of the Horizon Card Services family of credit products.

Contact

Headquarters

1707 Warren Rd

Indiana, PA 15701

(800) 251-6144

Visit Site

Email Support

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SuperMoney Net Recommendation Score

SuperMoney users mostly recommend this product, giving it a user recommendation score of +44, or 3.9 on a 5-point rating scale.

+44

-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.

Net First Platinum Community Reviews

Would you recommend Net First Platinum to your friends?

Umair A.

Mar 1, 2022

May or may not recommend

An ideal option for those who have very low credit ratings or people who are finding it hard to get obtain cards from elsewhere. However, this is not all bad here, they have a very efficient TAT (Turn Around Time) in processing the card.

Kayla P.

Feb 25, 2022

May or may not recommend

They helped my husband get a credit card and he has no credit! Easy to apply and was approved quickly!

Hannah M.

Aug 17, 2021

May or may not recommend

You can only use the credit on thee Horizon Outlet website. They also have monthly fees, which adds up to a lot annually. It also doesn’t help with your credit.

Travis J.

Jul 23, 2021

May or may not recommend

Used this card to get my scores back up. Great card for building up your credit.

Aven W.

Jun 24, 2021

May or may not recommend

Consumers are promised a lot by the NetFirst Platinum card, including an unsecured $500 credit limit, no employment or credit check, and approval for people with bad or no credit. It appears to be an excellent alternative for people looking to boost their credit scores. However, if you carefully study the card's terms and conditions, you'll discover that those ostensible perks come with severe restrictions and high membership costs. The NetFirst ...Show More

P N.

Jun 11, 2021

May or may not recommend

Credits cards have been a constant for me for years now, but never before I had found one that gives the perfect rewards and large credit scores like this company does. The application process is easier than almost anywhere else, and they have the best customer service possible.

Eugene F.

Mar 15, 2021

May or may not recommend

NetFirst Platinum is another great credit card, especially for those without a credit history. I would say it's a great option to have, but there are limited services accessible to this card, such as being unable to use it like a regular Visa or Mastercard. It's not accepted everywhere, and that's a downside to it. However, it's still a good card option to look into.

Leigha W.

Dec 23, 2020

May or may not recommend

This is another card kind of like the Horizon Gold card, you can get approved easy but you have to shop at the appointed store and their stock is somewhat limited, it all depends on what type of merchandise your looking for. If the store has what you are looking for then it's a good card for you to get and help raise your credit score.

Natalie S.

Dec 11, 2020

May or may not recommend

This is a great service. Provides AAA services as well as help build your credit while making purchases for their product online. I would personally recommend this product to anyone that would like to shop for virtually any product, build credit, and would like to access to car services without the expensive add from car insurance companies for a low price each month.

Showing 9 of 9 reviews