Freedom Gold Card review |

Freedom Gold Card review – May 2019

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Freedom Gold Card Learn more Apply now

Don't worry, clicking "Apply now" won't leave a mark on your credit report. It may only appear on your report after you submit an application.

What happens when I click Apply now?
  • Clicking Apply now will take you to your online application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
Click here to start your application >>

This expensive card could be a poor choice if you’re trying to build credit.

  • Get this card if… you want to shop at the Horizon Outlet.
  • Pick something else if…you don’t want to shop at the Horizon Outlet or you’re trying to build credit.
Product NameFreedom Gold Card
Card TypeStore card
Annual FeeSee terms
Intro Purchase APR


Intro Balance Transfer APR


Balance Transfer FeeNone
Cash Advance FeeNone
Late Payment Fee$20
Returned Payment Fee$25
Minimum Age18 years of age

The basics

At first glance, the Freedom Gold Card seems like a solid choice. You can get it relatively easily because it requires no credit check, income verification or employment details.

Unfortunately, the card is expensive. On approval, you’re automatically enrolled in the Horizon Card Services membership plan, which costs $24.95 a month. Over a year, that’s $299.40 — a high price for any credit card.

What services come with the Horizon Card Services membership plan?

Horizon Member Benefits includes:

  • My Privacy Protection.
    Access your credit report.
  • My Universal RX.
    Receive 40% off eligible prescriptions and medications at participating pharmacies.
  • My Roadside Protect.
    Get access to towing, fuel delivery, lockout service and flat-tire change service.
  • My Legal Assistance.
    Get access to legal help, including a 30-minute consultation with a legal professional.

Use the Freedom Gold Card at Horizon Outlet

The card comes with an unsecured credit line of $500. But you can use this card only at Horizon Outlet, an online retailer. There you’ll find such items as:

  • Women’s, men’s, kids’ and baby apparel.
  • Bed, bath and kitchen products.
  • Toys and seasonal items.
  • Auto finance and prepaid or secured cards.

You’ll get 0% APR on everything you buy with the card. However, watch out for a $2.50 delivery signature fee and $2 residential delivery fee for each of your purchase shipments.

Should I get the Freedom Gold Card to build credit?

The Freedom Gold Card claims to help its cardholders rebuild their credit. But if you’re trying to build credit, you have better options: The card’s monthly fee can get expensive, and the provider reports your payment history to only one major credit bureau.

Look for a secured credit card instead. You can find one that’s relatively easy to be approved for and that reports your payment history to all three major credit bureaus. If cost is a concern, look for a secured card with a low deposit.
The best secured credit cards of 2017

The perks

  • $500 credit limit.

You’ll receive a $500 credit line to spend on Horizon Outlet purchases.

  • Easy approval.

Credit checks, income requirements or employment requirements aren’t required to get the Freedom Gold Card.

  • No interest.

You’ll receive 0% APR on all purchases.

  • Horizon Card Services monthly membership benefit plan.

The membership plan includes benefits and discounts on your credit report, prescriptions, roadside assistance and legal help.

You’ll also like

  • Reporting to at least one credit bureau.
    The Freedom Gold Card can help you raise your credit score with responsible use.

What to watch out for

  • Card valid only at Horizon Outlet.
    The Freedom Gold Card is a store card that can be used only to shop from the online Horizon Outlet catalog.
  • Automatic membership enrollment.
    After you open the card, you’ll start paying $24.95 a month for the Horizon Card Services membership.
  • Card issuance and account validation fee.
    When you open your account, you’re charged a one-time $5 fee.
  • Shipping and processing fees.
    Before your Horizon Outlet items are shipped, you’ll pay a $2.50 delivery signature verification fee and $2 residential delivery fee.
  • Minimum monthly payment.
    Most credit cards charge only a few dollars for minimum monthly payments. With the Freedom Gold Card, you must pay at least 10% of your balance each month.
  • Fees for returned or NSF payments.
    You’ll pay up to $25 per infraction.
  • Fees for late payments.
    Late payments cost $20 each.

Consider other cards if…

  • You’re not interested in the Horizon Outlet. Consider another card for your preferred stores. If you want a card you can use elsewhere, consider a general credit card.

Compare cards for building credit

Name Product Filter values Purchase APR Annual Fee Recommended Minimum Credit Score
15.24% to 26.24% variable
Build your credit with no fees: Apply if you're new to credit or have a fair to good score.
25.24% variable
Designed to help build credit history with no deposit required. Apply if you're new to credit or have a fair to good score over 650.
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The First Access Card is a true Visa® credit card that does not require perfect credit for approval.
24.9% fixed
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The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
34.99% fixed
Enjoy manageable monthly payments with monthly reporting to all three major credit bureaus.
20.24% to 26.24% variable
$0 to $99
Seeing if you pre-qualify is fast, easy and secure.
20.24% to 26.24% variable
$0 to $99
Get 1% cash back rewards on eligible purchases.
20.24% to 26.24% variable
$0 to $99
Get 1% cash back rewards on eligible purchases and double cash back rewards at the Superstore.
24.9% fixed
$35 to $99
All the benefits of Mastercard Gold for those with less than perfect credit.

Compare up to 4 providers

What should I know before I apply?

To apply for the Freedom Gold Card, you must be at least 18 years old. You must also have an active US credit card, debit card or checking or savings account.

Information you’ll need

  • Your full name and contact information
  • Your income details
  • Debit or credit card information

What credit score do I need?

Because the Freedom Gold Card requires no credit checks, you can qualify with any credit score.

How to apply for the Freedom Gold Card

  1. Click apply now.
  2. Enter your full name, contact information and income details.
  3. Enter your debit or credit card information and click Activate My Card Now to complete your application.

I got the card. Now what?

  • Keep up with payments. Your minimum monthly payment is at least 10% of your current balance.
  • Avoid fees. Late and returned payments cost up to $25.
  • Customer service. For support, you’re limited to calling Horizon Member Services at 1-800-251-6144 weekdays during business hours.

Bottom line

The Freedom Gold Card allows you to shop at the Horizon Outlet, an online retailer, with 0% APR. However, given a required monthly membership fee, it’s expensive. While it claims to help those with poor credit rebuild their financial histories, you’re better off looking for a secured credit card.
See more store credit cards

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2 Responses

  1. Default Gravatar
    ChristopherOctober 9, 2018

    What is the customer service number for freedom gold credit card please

    • Default Gravatar
      joelmarceloOctober 10, 2018

      Hi Christopher,

      Thanks for leaving a question on finder.

      For support, you can call Horizon Member Services at 1-800-251-6144 weekdays during business hours.

      Please send me a message if you need anything else. :)


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