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Group One Platinum Credit Card review
Get an unsecured $750 credit limit to use at the Horizon Outlet store, but you’ll pay $14.77 each month.
- Get this card if you have bad credit and you want an unsecured credit limit to use at the Horizon Outlet store.
- Pick a secured card if you want to build your credit score.
- Apply with any credit score or with no credit history.
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$177.24
Annual fee
N/A
Purchase APR
300
Recommended credit score
Review by
Kliment Dukovski
kliment.dukovski@findercrew.comKliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
Expert review
How to apply for the Group One Platinum Credit Card
Applying for the card is simple. Here’s how to do it:
- Click Apply now.
- Fill out the application form.
- Review the form and submit.
Note: You can cancel your account within seven days if you don’t want to keep it. Call 800-251-6144 or log in online at www.memberbenefitaccess.com to cancel your account.
What credit score do I need?
Group One Platinum doesn’t do a credit check, meaning you can apply with any credit score or with no credit history.
Group One Platinum Credit Card benefits
- No hard pull on your credit. Group One Platinum gives you instant approval without a credit check or without an employment check. Because of that, you can apply with bad credit or no credit history and still get approval.
- High credit limit. This card comes with an unsecured credit limit of $750. This is high compared to other cards with no credit score requirements where the typical credit limit hovers around $200. That said, you’ll pay $177.24 annually to own the card, which cuts into your credit limit.
- No interest rates on purchases. As long as you make the minimum payment, you can carry your balance without any interest. This is a rare feature that not many cards can boast with.
- Membership benefits. Cardmembers get access to:
- My Universal RX. This is a pharmacy plan where you get an average of 41% discount on prescriptions and healthcare products at more than 55,000 participating pharmacies.
- My Roadside Protection. You can get help with a tire change, fuel delivery, basic locksmith service, towing requests or help you jumpstart your car three times within a 12-month period for up to 15 miles that don’t exceed the $50 operator fee. You’re liable for any charges above that.
- My Legal Assistance. Get access to the call center with both English- and Spanish-speaking representatives to help you with legal matters. You get one free 30-minute consultation per year — for two separate legal matters — with a legal professional in your area. Plus, get access to a vast online library with information on thousands of legal and financial topics, such as bankruptcy, IRS matters, estate planning law, immigration and naturalization, personal legal services and more.
Group One Platinum Credit Card drawbacks
- Not a standard credit card. You can only use this card at the Horizon Outlet online store and nowhere else. You can’t buy groceries, gas or anything else.
- Monthly membership fee. The card has a monthly membership fee of $14.77, which comes at $177.24 annually. This is expensive for this type of card considering there’s no rewards program or a signup bonus. However, it could be worth it if you use some of the member benefits like roadside assistance, legal assistance or discounts at select pharmacies.
- Reports to only one major credit bureau. To build credit, your card has to report your activity to the three major credit bureaus — Experian, Equifax and TransUnion. Unfortunately, Group One Platinum reports to only one bureau and it doesn’t disclose which credit bureau. This could affect the ability to build credit with this card.
Compare Group One Platinum Credit Card with two similar cards
See how this card stacks up against similar cards.
Group One Platinum Credit Card
Not yet rated
| Go to site |
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Minimum credit score 300 |
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Annual fee $177.24 |
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Purchase APR N/A |
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Balance transfer APR N/A |
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Rewards
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Welcome offer
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Principal Platinum Card
Not yet rated
| Go to site |
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Minimum credit score 300 |
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Annual fee $177.24 |
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Purchase APR N/A fixed |
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Balance transfer APR N/A |
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Rewards N/A |
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Welcome offer N/A |
Net First Platinum
Not yet rated
| Go to site |
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Minimum credit score 300 |
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Annual fee Up to $299.40 |
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Purchase APR N/A |
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Balance transfer APR N/A |
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Rewards N/A |
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Welcome offer N/A |
Compare even more credit cards
Bottom line
The Group One Platinum offers a high $750 credit limit you can only use at the Horizon Outlet online store. As a card member, you get access to benefits like roadside assistance and discounts on prescriptions at participating pharmacies. However watch out for the card’s $14.77 monthly fee.
If this card isn’t what you’re looking for, check out other store credit cards. If you have bad credit, a secured card can help you improve your credit score.
