The Merit Platinum Card review

How to apply for the Merit Platinum Card

1. Click Apply now.
2. Submit your email and ZIP code and click Continue activation.
3. Fill out the application form.
4. Review the form and submit.

What credit score do I need?

There’s no minimum credit score or credit history necessary.

Merit Platinum Card benefits

• No credit check. The card provider won’t do a credit check or employment check when you apply. This means you can be approved even if you have poor credit or no credit score at all.
• High credit limit. You start off with a $750 credit limit, which is decent for this type of card.
• Access to membership programs. You’ll get access to such programs as My Universal RX, My Roadside Protect and My Legal Assistance.

Merit Platinum Card drawbacks

• Not a standard credit card. You can only use this card for purchases made at the Horizon Outlet shopping site. Use it anywhere else and you’ll be declined.
• Monthly fee. You’ll pay $14.95 each month for the Merit Platinum. This is $179.40 annually. Even with benefits like free credit report, a discount on approved prescriptions, roadside assistance and access to some legal consultation — the fee might not be worth it.
• Reports to just one credit bureau. Merit Platinum Card reports to one credit bureau, and it doesn’t mention anywhere on its website which bureau. It’s best to use a credit-building card that reports to all three major credit bureaus — Experian, Equifax and TransUnion.

What are the membership programs you get with this card?

You get access to:

• My Universal RX. Get up to 40% off of covered prescriptions in local participating pharmacies.
• My Roadside Protect. Get up to three service calls or towing requests within a 12-month period for up to 15 miles that don’t exceed the $50 operator fee. Anything above that and you’re liable for the cost. Also, you can’t ask for more than one towing or service call within 30 days and no more than three service calls.
• My Legal Assistance. Get toll free and Internet access to legal resources. Get one free 30-minute consultation with a legal professional in your area specializing in the area you need counseling in.

Compare credit cards

If this card isn’t right for you, compare other options. Find a card with the benefits that match your financial needs best.

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Name	Product	Filter values	Rewards	Purchase APR	Annual fee
PCB Secured Visa®			N/A	18.9% fixed	$39	Apply now View details	Choose your initial deposit amount and credit limit from $200 to $1000. Rates & fees	Compare	loading Fetching your data...
Surge Mastercard® Credit Card			N/A	25.9% to 29.99% variable	$75 to $99	Apply now View details	An unsecured credit-building card with a $0 fee on cash advances for the first 12 months, then 5% or $5. This is a rare offer among similar cards.	Compare	loading Fetching your data...
Reflex Mastercard® Credit Card			N/A	25.9% to 29.99% variable	$75 to $99	Apply now View details	Made for people with poor credit who want an unsecured credit card. It can help you build credit, but watch out for high fees and interest.	Compare	loading Fetching your data...

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Bottom line

The Merit Platinum Card may only be worth considering if you often shop at the Horizon Outlet store and you use the card’s membership programs. Otherwise, other cards for building credit or other store cards may be a better choice.