Horizon Gold Card Credit Card review | finder.com

Horizon Gold Card review – November 2018

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

30-second take

  • 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$300
Late Payment Fee$20
Returned Payment Fee$25
Additional Cardholder Fee$0
Minimum Age18 years of age
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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 $2.50 delivery signature charge. It’s 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.

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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 $25 — $300 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 $2.50 for purchases from the Horizon Outlet.
    • A $2 delivery fee for purchases from the Horizon Outlet.
    • One-time $5 fee for card issuance and account validation.
    • Shipment signature verification fee of $2.50 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.

Consider other cards if …

Compare store cards

Name Product Filter values APR (Annual Percentage Rate) for Purchases Annual Fee
24.9% variable
A no annual fee credit card and discounts when you shop at Target.
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The Fingerhut Credit Account is store-specific, and used to finance purchases made from Fingerhut.com or Fingerhut FreshStart's catalogue.
See issuer's website
Helps you keep building your credit as you buy great name brand products.
See issuer's website
Get instant access to purchase items in the Fingerhut store with no overlimit fees.
Get a $500 credit limit to make purchases on the Horizon Outlet website.
Build your credit history with Horizon Card Services. Get an unsecured line of credit and the best customer service.
Shop the items you need at myuniqueoutlet.com with up to a $1,000 credit.
24.65% variable
28.74% variable
6, 12, 18, and 24-month financing options available and special promotions just for cardmembers.

Compare up to 4 providers

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.

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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 Go to Site. Enter your email and ZIP code, agree to the terms and click Continue activation.
  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.

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.

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 $300 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

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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2 Responses

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    JoySeptember 1, 2017

    Cant remember log in information

    • finder Customer Care
      AshSeptember 1, 2017Staff

      Hello Joy,

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