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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.

Kliment Dukovski

Last Updated Apr 14, 2021

$177.24

Annual fee

N/A

Purchase APR

300

Minimum Credit Score

Annual fee	$177.24
Purchase APR	N/A
Balance transfer APR	N/A
Minimum Credit Score	300
Issuer	Store card

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

Review by

Kliment Dukovski

kliment.dukovski@findercrew.com

Kliment Dukovski is an investments writer who has written over 600 articles to help readers find and compare the best financial options. 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

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.

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. Select Apply now.
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.
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

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Minimum credit score 300
Annual fee $177.24
Purchase APR N/A
Balance transfer APR N/A
Rewards
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Principal Platinum Card

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Minimum credit score 300
Annual fee $177.24
Purchase APR N/A fixed
Balance transfer APR N/A
Rewards N/A
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Annual fee Up to $299.40
Purchase APR N/A
Balance transfer APR N/A
Rewards 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 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.

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