Horizon Gold Card Credit Card Review | finder.com US

Horizon Gold Card review – September 2018

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A card for exclusive use on the Horizon Outlet website, and one that doesn’t require great credit – but watch out for fees that can really add up.

30-second take

  • Get this card if you want to use it only at the Horizon outlet website.
  • Pick something else if you want a universally accepted card.
  • Apply with poor credit score or higher.
Product NameHorizon Gold Card
Annual Fee$0
Minimum Interest$0
Late Payment Fee$20
Returned Payment Fee$25
Additional Cardholder Fee$0
Minimum Age18 years of age

The basics

The Horizon Gold Card works only on the Horizon Outlet website, so it might be for you if you love what you see there. You’ll get an unsecured credit limit and you can apply for the card even with low or no credit. On top of that, you’ll be able to make purchases with no interest.

However, there is a high monthly membership fee and a whole lot of other fees, like a $2 delivery charge and a $2.50 delivery signature charge. And by default, you’ll be enrolled in the Horizon Card services monthly membership plan, which may or may not be useful depending on your needs.

The perks

  • No credit check.

    Apply with poor credit or no credit at all. And since there’s no credit pull, your credit score won’t have an impact when you apply for the card.

  • No APR on purchases.

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

  • Reports to one credit bureau.

    This card is promoted to those with low or no credit, but it might not be the best one to build credit with. Your payment history may be reported to just one major credit bureau instead of all three — TransUnion, Equifax and Experian.

You’ll also like…

  • Credit limit.

    You get $500 unsecured credit limit. If that’s not enough — pay off your balance to free up credit.

  • 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.

What to watch out for

  • Only works for the Horizon Outlet website.

    This isn’t a credit card you can use just anywhere; rather, it’s a line of credit used solely for purchases at the Horizon Outlet.

  • High monthly fee.

    You’ll pay a monthly fee of $24.95. That’s $299 annually. Consider whether you need the services offered in the monthly membership benefit plan.

  • 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.
    • NSF Check fee of $25.
    • Late payment fee of $20.
    • Fee for returned checks or debits of $25.
  • Minimum monthly payment.

    The minimum monthly payment is either 10% of the balance owed or $25, 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.

Consider other cards if…

Compare store cards

Name Product APR (Annual Percentage Rate) for Purchases Annual Fee
24.65% fixed
A no annual fee credit card and discounts when you shop at Target.
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Helps you keep building your credit as you buy great name brand products.
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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.
Looking for the best card? You can have it while you build your credit 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.
Get a $300 to $5,000 instantly to shop 100,000+ items at Emporium.
24.65% variable
28.74% variable
annual fee for the first year ($0 thereafter)
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 to have a valid and active U.S. 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 or higher.

What do customers say about the Horizon Gold Card?

The Better Business Bureau is yet to accredit Horizon Card Services, but it rates them with a B+.

How to apply for the Horizon Gold Card?

  1. Go to the Horizon Card Services website. 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 7 to 10 business days.

I got the card. Now what?

  • Customer service. If you have any questions, call Horizon Card support at 1-800-251-6144.

Bottom line

The only reason this could be a good card for you is if you spend a lot of money at the Horizon Outlet, as you can’t use the card anywhere else.

The fees are also quite high — you’ll pay a $25/month membership fee, which works out to $300 a year. For that fee, you can get way better cards that you can use everywhere where cards are accepted payment method, and you’ll get to 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

Megan Horner

As the assistant publisher of credit cards at finder.com, Megan is passionate about helping you compare and find the best credit cards for your situation, whether that is earning great rewards or improving your credit score. In her previous position, Megan worked as an assigning editor at Credit Karma, where she focused on editing and publishing educational articles on credit cards. Megan started her career as a writer at a comparison website, so she has a longstanding background in surfacing the best deals and helping people make decisions. In her spare time, Megan likes to hike, camp, surf, and read.

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2 Responses

  1. Default Gravatar
    JoySeptember 1, 2017

    Cant remember log in information

    • finder 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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