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A store card with a line of credit that you can use only for the Horizon Outlet Store.
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 no credit history or with a poor credit score.
| Product Name | NetFirst Platinum (shop.thehorizonoutlet.com) |
|---|---|
| Card Type | Store card |
| Annual Fee | $0 |
| Minimum Interest | $0 |
| Late Payment Fee | $25 |
| Returned Payment Fee | $25 |
| Additional Cardholder Fee | $0 |
| Minimum Age | 18 years of age |
|---|
The basics
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.
The perks
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.
You’ll also like…
Credit limit.
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.
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.
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.
You can earn cash back while building your score with either the Credit One Bank® Unsecured Platinum Visa® or the QuicksilverOne® Rewards from Capital One®.
But if you have a higher credit score, the Blue Cash Preferred® Card 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.
Bottom line
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.
Check out secured cards that can help you build your credit, or look for another store card to find the best card for your financial needs.
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
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
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
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
Can I use a netfirst platinum at an ATM?
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
can I used my card at Walmart store
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.
Cheers,
Anndy