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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.

No reviews yet. Write a review

Kliment Dukovski

Last Updated Jan 28, 2022

$177.24

Annual fee

N/A

Purchase APR

300

Recommended credit score

Annual fee	$177.24
Annual fee conditions	$14.77 per month
Welcome offer	N/A
Rewards	N/A
Purchase APR	N/A
Balance transfer APR	N/A
Minimum credit score	300
Issuer	Store card
cta text	Apply now

Late payment fee	$20
Returned payment fee	$25
Security deposit	N/A

Review by

Kliment Dukovski

kliment.dukovski@findercrew.com

Kliment Dukovski is a personal finance writer at Finder, specializing in investments and cryptocurrency. He's written more than 700 articles to help readers compare the best trading platforms, understand complex investment terms and find the best credit cards for their needs. His expert commentary has been featured in such digital publications as Fox Business, MSN Money and MediaFeed. He’s also well-versed in money transfers, home loans and more — breaking down these topics into simple concepts anyone can understand. In another life, Kliment ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Group One Platinum Credit Card comes with a $750 unsecured credit limit and benefits like access to roadside assistance, discounts at participating pharmacies and some legal services. What’s more, you won’t pay any interest on your purchases as long as you pay at least 10% of your balance each month or $25, whichever is higher.

Another benefit is that the Group One Platinum won’t do a credit check or an employment check. This means your credit score won’t be affected when you apply for the card.

On the downside, though, the card doesn’t have a rewards program and you won’t earn any bonus when you sign up. Also, you can only use the card at the Horizon Outlet online store. You won’t be able to buy groceries, gas or anything else. The biggest drawback is that the card costs $14.77 monthly, which comes at $177.24 annually. This is unwarranted given the card doesn’t report to the major credit bureaus either, meaning you’re paying to use a card that offers practically nothing in return for that cost.

Overall, the $750 unsecured credit line and access to pharmacy discounts, legal assistance and roadside assistance are decent features, but the downsides are aplenty. Because of that, the card only makes sense if you often shop at the Horizon Outlet store and you’ll likely use the member benefits. Otherwise, other cards may offer better value without the cost.

How to apply for the Group One Platinum Credit Card

Applying for the card is simple. Here’s how to do it:

1. Learn more about how to apply for Group One Platinum Credit Card.
2. Fill out the application form.
3. 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.
Doesn’t report to any 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 doesn’t report to any of these, meaning you can’t 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	Principal Platinum Card	Net First Platinum


Go to site on Horizon Card Services's secure site	Read Review	Go to site on NetFirst Platinum's secure site
Minimum credit score 300	Minimum credit score 300	Minimum credit score 300
Annual fee $177.24	Annual fee $177.24	Annual fee Up to $299.40
Purchase APR N/A n/a	Purchase APR N/A	Purchase APR N/A n/a
Balance transfer APR N/A	Balance transfer APR N/A	Balance transfer APR N/A
Rewards None	Rewards None	Rewards None
Welcome offer N/A	Welcome offer N/A	Welcome offer N/A

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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. However, the card’s $14.77 monthly fee and failure to report usage to the major credit bureaus make this a rather poor choice of card to add to your wallet. Check out other store credit cards for some more lucrative options, or if you have bad credit, a secured card can help you improve your credit score.

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Ask a question Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.