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Freedom Gold Card review


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Be wary of the many fees that come with this card.

  • Get this card if you often shop at the Horizon Outlet.
  • Pick something else if you want to build your credit or pay fewer fees.
  • Apply with a poor credit score of 300 or higher.

From $72

Annual fee


Purchase APR


Recommended credit score


Product NameFreedom Gold Card
Card typeStore card
Annual fee$72 to $299.40
Purchase APRN/A
Balance transfer APRN/A
Balance transfer feeNone
Cash advance feeNone
Late payment fee$20
Returned payment fee$25

Expert review

Kevin Joey Chen

Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

The Freedom Gold Card is a catalog card valid only for merchandise at The Horizon Outlet. It has a 0% APR and $500 starting credit limit. While there’s no credit check, you’re automatically enrolled in the Horizon Card Services membership, which costs $24.95 a month or $299.40 a year. If you decide to cancel this membership, you’ll be charged a $6 monthly maintenance fee, which adds up to $72 a year.

These are high costs not mentioned on the card’s sales page, and they may add considerably to your expenses. Furthermore, the card isn’t the best choice for building credit, as Horizon Card Services reports your payment history to only one major credit bureau. Most other card providers report to the three major US credit bureaus.

If you’re looking for an option to build your credit, consider a secured credit card. You’ll find many options without annual fees, including cards with no credit checks.

Card benefits

  • No interest.
    You’ll receive 0% APR on all purchases, which means carrying a balance won’t cost you anything. But you still need to make the minimum payment.
  • Horizon Card Services monthly membership benefit plan.
    The membership plan includes benefits and discounts on your credit report, prescriptions, roadside assistance and legal help. If you fail to pay your monthly membership plan for three consecutive months, you’ll be automatically downgraded to the basic starter plan, which comes with all the perks minus roadside assistance and it costs $6.95 per month. You can try contacting customer support and ask to be demoted to the basic plan if you don’t want to pay the high monthly membership fee.

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. You can’t use the card to buy groceries or gas.
  • Card comes with many fees.
  • Automatic membership enrollment fee.
    After you open the card, you’ll start paying $24.95 a month for the Horizon Card Services membership

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.

Compare secured credit cards

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
OpenSky® Secured Visa® Credit Card
Starting at $200
17.39% variable
Apply for this card with no credit check if you're new to credit or have bad credit.
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
Starting at $200
0% intro for the first 6 months (then 12.99% variable)
A rare secured card with a 0% intro APR on purchases for 6 months, followed by 12.99% variable.
First Progress Platinum Elite MasterCard® Secured Credit Card
Starting at $200
19.99% variable
Build your credit with all three major credit bureaus.
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Starting at $200
9.99% fixed
No credit check is required for this secured card. Make a deposit of at least $200 to open this card and get a low 9.99% fixed APR on purchases.
Self Visa® Credit Card
Starting at $100
21.74% variable
Build your credit with a low minimum security deposit of $100 and no credit score required.

Compare up to 4 providers

How to apply for the Freedom Gold Card

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.

  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.

What credit score do I need?

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

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 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 the 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.

But if you want to build your credit while getting store benefits, compare other store credit cards

Frequently asked questions


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  1. Default Gravatar
    October 9, 2018

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

    • Default Gravatar
      October 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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