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Net First Platinum review

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This store card has high fees and not a lot of perks.

  • Get this card if you want to use it only at the Horizon outlet website.
  • Pick something else if you want a card to help you build credit.
  • Apply with no credit history or with a poor credit score.

Up to $299.4

Annual fee


Purchase APR


Recommended credit score


Product NameNet First Platinum
Card typeStore card
Annual feeUp to $299.40
Purchase APRN/A
Balance transfer APRN/A
Late payment fee$20
Returned payment fee$25
Additional cardholder fee$0
Apply now

The basics

The Net First Platinum is not a credit card, but a line of credit you can use only for the Horizon Outlet website and nowhere else. Unless you spend a lot of money at the Horizon Outlet Store this card is expensive, with numerous fees including a high monthly fee.

Horizon also claims it reports to only one credit bureau, rather than the standard three. If you’re looking to build credit there are less expensive cards out there that report to all credit bureaus.

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 about $299.40 annually — with nothing spectacular that justifies the fee.
  • Other fees.
    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 — All cutting into your $500 unsecured credit limit.
  • Minimum monthly payment.
    Your minimum monthly payment is either 10% of the balance owed or $24.95, whichever is greater. Compared to most credit cards that require a minimum payment between 1% and 3%, this is high.
  • Reports to one credit bureau.
    The card issuer claims they report to one credit bureau, but they don’t specify which. If you’re trying to build credit, look for a credit-building card that reports to the standard three credit bureaus: Equifax, Experian and TransUnion.
Apply now

Card benefits

  • No credit check.
    You can apply with no credit or with poor credit, and with no hard credit pull, applying won’t affect your credit score.
  • 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.
  • Horizon services membership plan.
    Get benefits, such as roadside assistance, pharmacy discounts and legal assistance with the Horizon services membership plan.

Compare similar store cards

If you’re not bound to the Horizon outlet store, you can find way better store credit cards.

Name Product Filter values Annual fee Purchase APR Recommended minimum credit score
24.9% variable
A no-annual-fee credit card and discounts when you shop at Target.
29.99% fixed
Build your credit history with low monthly payments.
29.99% fixed
Get access to purchase items in the Fingerhut store with no overlimit fees.
5.75% to 23.99% fixed
Buy now, pay later — low monthly payments make shopping easier
5.75% to 23.99% fixed
Buy now, pay later with payments as low as $20 a month.

Compare up to 4 providers

How to apply for the Net First Platinum?

To apply for the card you must be at least 18 years old and a US citizen.

  1. Click apply now.
  2. Complete the application form.
  3. Enter your debit or credit card information. Click Activate My Card Now.

What credit score do I need?

You can apply with a poor credit score or no credit history at all.

Bottom line

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 monthly fees of about $299.40 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.

Apply now

Frequently asked questions

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  1. Default Gravatar
    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?

    • AvatarStaff
      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!


  2. Default Gravatar
    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

    • AvatarStaff
      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!


  3. Default Gravatar
    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

    • AvatarStaff
      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!


  4. Default Gravatar
    May 4, 2018

    Can I use a netfirst platinum at an ATM?

    • AvatarStaff
      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.


  5. Default Gravatar
    June 5, 2017

    can I used my card at Walmart store

    • AvatarStaff
      June 18, 2017

      Hi Armalean,

      Thanks for your question.

      The NetFirst Platinum card can only be used at thehorizonoutlet.com. Cardholders can buy items through the website, and pay for them later through an affordable monthly payment.


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