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Horizon Gold review

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Watch out for fees that can add up quickly.

  • 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 with fewer fees.
  • Apply with a poor credit score of 300 or higher.

Up to $299.4

Annual fee


Purchase APR


Recommended credit score


Product NameHorizon Gold
Annual feeUp to $299.40
Purchase APRN/A
Balance transfer APRN/A
Late payment fee$20
Returned payment fee$25
Additional cardholder fee$0

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards 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

The Horizon Gold card comes with a high monthly membership fee of either $6 or $24.95, depending on your membership plan. It also comes with a whole slew of other fees, such as a $2 delivery charge and a $3.50 delivery signature charge. In the end, you could end up paying more than $300 annually for the card. This is unbelievably expensive for a card that you can’t use anywhere else except at the Horizon store.

You can apply for the card with poor credit and you won’t get a hard pull. However, Horizon Gold reports only to one credit bureau, which makes it hard to build your credit score. On the positive side, you get an unsecured credit line and no interest rates on your purchases.

But unless you spend a lot of money on the Horizon Outlet store and you use the membership benefits, there’s not much value you can get from this card that you can’t get elsewhere.

Apply now

What to watch out for

  • Only works for the Horizon Outlet website.
    You’re limited to using this card only on the Horizon Outlet. You won’t be able to pay for your groceries or gas with this card.
  • High monthly fee.
    You’ll pay a monthly fee of $24.95 — about $299.40 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
    • $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. Standard credit cards require you to make a minimum payment between 1% and 3%, so 10% for this card is too high.
  • Reports to one credit bureau.
    This card is aimed at those with low or no credit, but it might not be the best for building credit. Your payment history is reported to just one major credit bureau instead of all three. Look for a credit-building card if that’s what you need.
  • Credit limit.
    Get a $500 unsecured credit limit. Considering you have to cover all the fees, expect your available credit limit to significantly drop.

Card benefits

  • No credit check.
    Apply with poor or no credit. 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.
  • Horizon services membership plan.
    Depending on your needs, you might benefit from the Horizon monthly membership, which comes with benefits such as roadside assistance, pharmacy discounts and legal assistance — for $24.95 monthly.

Compare store cards

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CardMatch™ from
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Seventh Avenue Credit
5.75% to 25.99% fixed
Buy now, pay later with payments as low as $20 a month.
Net First Platinum
Up to $299.40
Build your credit history with an unsecured line of credit.
Horizon Gold
Up to $299.40
Get a $500 credit limit and no interest on purchases when you shop at the Horizon Outlet with this unsecured card.

Compare up to 4 providers

Apply now

How to apply for the Horizon Gold

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

  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

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

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 — even if you frequently shop on the Horizon Outlet.

For its fee of about $299.40 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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  1. Default Gravatar
    August 20, 2019

    How do i activate my new horizon credit card?

    • Avatarfinder Customer Care
      August 21, 2019

      Hi Yolanda,

      Thanks for getting in touch! You are able to activate your card during the application process and it is actually the 3rd step after filling in your debit or credit card information. There is a button that you’ll need to click saying activate now. You will get a notification shortly, that your Horizon Gold Card has been activated. If you missed this step, don’t worry, you can also activate your card by calling Horizon’s customer service support, 1-800 number can be found in the back of your card.

      You have to provide your personal details such as full name and your full address and your date of birth, card details, (Horizon Gold Card Number and your Horizon Gold Card CVV code and card-type). After completing the steps above, you will get a notification showing your card has been activated.

      Hope this helps!


  2. Default Gravatar
    May 25, 2019

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

    • Avatarfinder Customer Care
      May 26, 2019

      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,

  3. Default Gravatar
    March 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
      March 26, 2019

      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.


  4. Default Gravatar
    February 10, 2019

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

    • Avatarfinder Customer Care
      February 11, 2019

      Hello Gabriel,

      Thank you for your comment.

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


  5. Default Gravatar
    December 8, 2018

    What sites can I use my Horizon Gold Card?

    • Default Gravatar
      December 12, 2018

      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.


  6. Default Gravatar
    September 1, 2017

    Cant remember log in information

    • Default Gravatar
      September 1, 2017

      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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