Horizon Gold Card review | finder.com

Horizon Gold Card review

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Horizon 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 >>

A card for exclusive use on the Horizon Outlet website, but watch out for fees that can really add up.

  • Get this card if you only want to use it at the Horizon outlet website.
  • Pick something else if you want a universally accepted card.
  • Apply with a poor credit score of 300 or higher.
Product NameHorizon Gold Card
Annual Fee$299
Intro Purchase APR


Intro Balance Transfer APR


Late Payment Fee$20
Returned Payment Fee$25
Additional Cardholder Fee$0
Minimum Age18 years of age
Apply now

The basics

If you have poor credit and love what you see on the Horizon Gold Card site, this card could be for you. Apply with a low credit score for a $500 unsecured credit limit to only use on the Horizon Outlet website.

Though you won’t pay interest rates for balances, there is a high monthly membership fee and a whole slew of other fees, like a $2 delivery charge and a $3.50 delivery signature charge. Its service monthly membership plan might be useful, depending on your needs.

The perks

  • No credit check.

    Apply with poor or no credit at all. And since Horizon doesn’t pull your credit, it’s not impacted when you apply.

  • No APR on purchases.

    Cardholders enjoy no interest on any purchases made with the card. But there are other fees to compensate for this.

Apply now

You’ll also like …

  • Credit limit.

    Get a $500 unsecured credit limit.

  • Horizon services membership plan.

    Depending on your needs, you might benefit from the Horizon monthly membership, which comes with benefits like roadside assistance, pharmacy discounts and legal assistance — for $24.95 monthly.

What to watch out for

  • Only works for the Horizon Outlet website.

    You’re limited to using this card only on the Horizon Outlet.

  • High monthly fee.

    You’ll pay a monthly fee of $24.95 — about $299 annually. And consider if you need the services offered in the membership benefit plan enough to warrant the cost of $24.95 a month.

  • Other fees.
    • One-time $5 fee for card issuance and account validation.
    • Shipment signature verification fee of $3.50 for purchases from the Horizon Outlet.
    • A $2 delivery fee for purchases from the Horizon Outlet.
  • Minimum monthly payment.

    The minimum monthly payment is $25 or 10% of the balance owed, whichever is greater. If after paying a balance the new figure is less than $25, the next minimum payment will be the total amount of that balance.

  • Reports to one credit bureau.

    This card is aimed at those with low or no credit, but it might not be the best one to build credit with. Your payment history is reported to just one major credit bureau instead of all three.

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What should I know before I apply?

To apply for the card, you must be at least 18 years old and have an active US checking or savings bank account.

In your application, you’ll need to provide the following information:

  • Your name and contact information.
  • Your date of birth.
  • Your financial information.

What credit score do I need?

You can apply with a poor credit score of 300 or higher. However, those with higher credit scores or who are looking to rebuild their credit may find better options elsewhere.

Apply now

What do customers say about the Horizon Gold Card?

The Better Business Bureau (BBB) is yet to accredit Horizon Card Services, but it rates them with a B+. As of this writing there have been 33 complaints made against Horizon Card Services on the BBB site, and each has been either resolved to the customer’s satisfaction or answered.

How to apply for the Horizon Gold Card

  1. Click apply now.
  2. Complete the application with your personal and financial details.
  3. Fill in your debit or credit card information. Then click Activate my card now.

Horizon Gold Card Application

How long will it take to get my Horizon Gold Card?

Typically, you’ll receive a decision within two minutes. If there are issues with your application, it may take up to several days to hear back.

Once approved, you’ll get your card within seven to 10 business days.

Apply now

I got the card. Now what?

  • Avoid additional fees. Fully read the terms of your credit card agreement to help avoid fees for late or nonsufficient funds.
  • Customer service. If you have any questions, call Horizon Card support at 800-251-6144.

Bottom line

There are better cards out there for those with poor credit. With high fees and credit reporting to only one bureau, we don’t see a great benefit to signing up for the Horizon Gold Card — even if you frequently shop on the Horizon Outlet.

For its fee of about $299 a year, you can get better cards to use anywhere, and you might earn rewards on your purchases.

But if you want a card that you can use on a specific department store brand, consider checking out other store cards to find the best card for your needs.

Frequently asked questions

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10 Responses

  1. Default Gravatar
    SaraMay 25, 2019

    Can the card be used at Walmart? Some websites says you can?

    • Avatarfinder Customer Care
      BellaMay 26, 2019Staff

      Hi Sara,

      Thanks for your inquiry.

      Unfortunately, you cannot use Horizon Gold card in Walmart. Please note that Horizon Gold is not a credit card like a Visa or Mastercard. It’s a store card that you can use in only one place card only works for purchases made at the Horizon online store.

      I hope this helps.

      Kind regards,

  2. Default Gravatar
    AyeshaMarch 25, 2019

    Don’t even waste time or money on this card. It’s not a regular credit card like visa or MasterCard it’s a card that you can only use at one store which is online & they don’t have anything good! I still gave it a chance because the man assured me that just paying a fee of $6.95 would help improve my credit. That was in November it’s now march & my credit score is still the same. I called to cancel my card the lady told me they wasn’t reporting my information because I never sent pictures of my ID for identity purposes, I never received a letter or was told by anyone to do so 🙄 & even still why keep charging my card .

    • Avatarfinder Customer Care
      johnbasanesMarch 26, 2019Staff

      Hi Ayesha,

      Thank you for reaching out to Finder.

      Thank you for your feedback, you may be interested in checking out Finder page on “5 ways to improve your credit rating”. Please click this link to be routed to that page. Hope this helps.


  3. Default Gravatar
    GabrielFebruary 10, 2019

    I want to activate my horizon card right now, please.

    • Avatarfinder Customer Care
      JhezFebruary 11, 2019Staff

      Hello Gabriel,

      Thank you for your comment.

      To activate your newly acquired Horizon Gold CC, call at 800#.


  4. Default Gravatar
    ShelbeDecember 8, 2018

    What sites can I use my Horizon Gold Card?

    • Avatarfinder Customer Care
      AshDecember 12, 2018Staff

      Hi Shelbe,

      Thank you for contacting finder.

      You may only use your Horizon Gold Card at The Horizon Outlet website as it is exclusively issued for it. If you are not a frequent shopper at The Horizon Outlet, you may consider other credit cards with rewards at this page. On the same page, you may know more about the different rewards that you may get from a Credit Card.

      I hope this helps.

      Please do not hesitate to reach out again if you have additional questions.


  5. Default Gravatar
    JoySeptember 1, 2017

    Cant remember log in information

    • Avatarfinder Customer Care
      AshSeptember 1, 2017Staff

      Hello Joy,

      Thank you for contacting finder.

      You may contact their Member Services at 1-800-251-6144 from Monday to Friday (9:00 a.m. – 8:00 p.m. EST) and Saturday (10 a.m. – 3 p.m. EST) excluding holidays to further assist you regarding your login details.

      I hope this information helps.

      Let us know if there is anything else that we may assist you with.


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