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Up to $299.4
Annual fee
N/A
Purchase APR
300
Recommended credit score
Annual fee | Up to $299.40 |
---|---|
Annual fee conditions | One-time $5 account validation fee, $6 monthly maintenance fee (waived for Horizon Card Services members) or $24.95 monthly membership benefit plan fee |
Welcome offer | N/A |
Rewards | N/A |
Purchase APR | N/A |
Balance transfer APR | N/A |
Minimum Credit Score | 300 |
Issuer | Store card |
Review by
Kliment Dukovski is a cryptocurrency and investments writer who has written over 700 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange and stock market trading.
The Net First Platinum is not a standard credit card, but a line of credit you can use only at HorizonOutlet.com. It comes with a relatively high annual fee that you pay monthly of $14.95 or $179.40 in total annually.
You can apply for this line of credit with any credit score or with no credit history and Net First Platinum won’t make a hard pull on your credit. Also, your activity will likely be reported to one credit bureau, but Net First doesn’t say which one.
This makes the line of credit a decent option if you spend a lot of money at the Horizon Outlet Store and you can’t get a better card.
To apply for the card you must be at least 18 years old and a US citizen.
You can apply with a poor credit score or no credit history at all.
If you’re not bound to the Horizon outlet store, you can find way better store credit cards.
If you have poor credit and you spend a lot of money at the Horizon Outlet Store, the Net First Platinum could be a helpful solution. Otherwise — for the total annual fee of about $179.40 that you’ll pay — you’ll be better off with another card.
Compare secured cards that can help you build your credit, or look for another store card to find the best card for your financial needs.
12 Comments
December 12, 2019
Can I use NetFirst Platinum on Ebay?
December 12, 2019
Hi Dustin,
Thanks for reaching out to Finder.
Net First Platinum is not a Visa, Mastercard, or debit card so you will not be able to use on Ebay. It is a store card that can be used by an account holder exclusively on purchases available through the Horizon Outlet Website.
I hope this helps.
Cheers,
Charisse
March 29, 2019
I’m interested in this card mainly because of their prescription discounts. Does this actually work on any and all RX? How do I check?
April 1, 2019
Hi Anna,
Thanks for getting in touch with Finder. I hope all is well with you. 😃
The pharmacy discount is available in local participating pharmacies. The card’s pharmacy discount would work as long as you are buying from their participating stores. Members receive up to 40% off of covered prescription medications. You can directly get in touch with NetFirst to obtain a full list of these participating stores and what type of drugs are covered.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
June 7, 2018
Can we use this card in the groceries store or get any money off it. If not how do we cancel it I just got it and paid $29.95 for it
June 8, 2018
Hi Artie,
The NetFirst Platinum card can only be used at the Horizon Outlet website. Cardholders can buy items and pay for them later while paying a monthly payment.
Hope this clarifies!
Regards,
Nikki
May 15, 2018
Just received my NET FIRST PLATINUM CARD, SO my question is how to activate my card? or is it already activated since I paid as agreed? it’s an unsecured card with a credit line of $750.00 and there are no restrictions. The status is stating Active/Paid as agreed, and no down payment was required. so if its stating all this, then how/why do I need to activate my account? please reply back ASAP with the information I just given to you cuz I’m confused about the whole issue at hand! Thank You- Josephine
May 15, 2018
Hi Josephine,
Thanks for getting in touch with finder. I hope all is well for you. :)
To use the NetFirst Platinum Card, you need to activate the card first. To do that, you need to go to Netfirstplatinum.com and fill in your email address and zip code. From there, continue to the NetFirst Platinum card activation page.
Since you mentioned that you already have your card, it means that you have already activated it.
Once you receive you card, you can shop on the Horizon Outlet Store. Once you buy an item, you’ll be charged processing fees. You can choose to pay for your purchases over time, or pay it off each month. Your monthly membership benefit fee of $24.95 is automatically deducted.
Your payment schedule will vary on the item you purchase.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
May 4, 2018
Can I use a netfirst platinum at an ATM?
May 4, 2018
Hello there.
Thank you for your comment.
NetFirst Platinum card can only be used at the Horizon Outlet website, it cannot be used at an ATM.
Regards,
Jhezelyn