A store card with a line of credit that you can use only for the Horizon Outlet Store.
- 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 no credit history or with a poor credit score.
|Product Name||NetFirst Platinum (shop.thehorizonoutlet.com)|
|Card Type||Store card|
|Late Payment Fee||$25|
|Returned Payment Fee||$25|
|Additional Cardholder Fee||$0|
|Rates & Fees||Rates & Fees|
|Minimum Age||18 years of age|
The NetFirst Platinum (shop.thehorizonoutlet.com) is not a credit card, but a line of credit that you can use only for the Horizon Outlet website and nowhere else.
If that’s what you’re looking for, you can apply with bad or no credit, and Horizon claims it reports to one credit bureau. However, if you want to build your credit, this card may not be a good choice for that.
Another point to keep in mind is the fees that come with this card. You’ll pay a high monthly fee and there’s a whole set of other fees that — unless you spend a lot of money at the Horizon Outlet Store — will make this card expensive to have.
No credit check.
You can apply with no credit or with a poor credit. And without a credit pull, your score won’t have an impact when you apply for the card.
No APR on purchases.
You won’t pay any interest on purchases you make with this card. However, there are other fees that negate this feature.
Reports to one credit bureau.
The card issuer claims they report to one credit bureau, but they don’t specify which credit bureau. If you’re trying to build credit, this may not be the best way to achieve that.
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You get the card with a $500 unsecured credit limit.
Horizon services membership plan.
Get benefits, such as roadside assistance, pharmacy discounts and legal assistance with the Horizon services membership plan.
What to watch out for
Only works for the Horizon Outlet website.
You can’t use this card anywhere you want. You can use it only for purchases at the Horizon Outlet.
High monthly fee.
There’s a monthly fee of $24.95, which adds up to $299 annually.
You’ll also pay $5 to activate the card, $2.50 for shipment signature verification and $2 delivery fee for your items. There’s also an NSF Check fee of $25, late payment fee of $20 and $25 fee for returned checks or debits.
Minimum monthly payment.
Your minimum monthly payment is either 10% of the balance owed or $25, whichever is greater.
Consider other cards if…
You are loyal to other department store brands.
If you mostly buy at Walmart, Target, Fingerhut or any other department store, check out other store cards to find the right card for your needs.
You want to build credit.
The UNITY Visa® Secured Credit Card lets you build your credit, you’ll get one of the highest credit lines for a secured card and you can make balance transfers.
Alternatively, the OpenSky® Secured Visa® Credit Card may be a better choice. You’ll build your credit and when you apply they won’t do a credit pull.
You want cash back.
But if you have a higher credit score, the Blue Cash Preferred® Card from American Express from American Express could let you earn more cash back on groceries, gas and at select department stores.
Compare store cards
What should I know before I apply?
You must be at least 18 years old and a US citizen.
You’ll also need to provide your:
- Full name and contact information
- Date of birth
- Financial information
What credit score do I need?
You can apply with a poor credit score or no credit history at all.
What do customers say about the NetFirst Platinum (shop.thehorizonoutlet.com)?
The Better Business Bureau rates Horizon Card Services with a B+, but it hasn’t rated them yet.
How to apply for the NetFirst Platinum (shop.thehorizonoutlet.com)?
- Go to the NetFirst Platinum (shop.thehorizonoutlet.com) website. Enter your email and zip code. Click Continue Activation.
- Complete the application form.
- Enter your debit or credit card information. Click Activate My Card Now.
How long will it take to get my NetFirst Platinum (shop.thehorizonoutlet.com)?
You’ll get a decision in a few minutes.
After account activation, you will receive your card within five days to two weeks.
I got the card. Now what?
- Customer service. If you have any questions, call Horizon Card support at 1-800-251-6144.
If you have poor credit and you spend a lot of money at the Horizon Outlet Store, the NetFirst Platinum (shop.thehorizonoutlet.com) could be a helpful solution. Otherwise — for the annual fee of $299 that you’ll pay for this card — you’ll be better off with another card.