NetFirst Platinum Card Review |

NetFirst Platinum ( review – October 2018

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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 NameNetFirst Platinum (
Card TypeStore card
Annual Fee$0
Late Payment Fee$25
Returned Payment Fee$25
Additional Cardholder Fee$0
Rates & FeesRates & Fees
Minimum Age18 years of age
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The basics

The NetFirst Platinum ( 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.

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Consider other cards if…

Compare store cards

Name Product Annual Fee Credit Score Min. Intro Balance Transfer APR Reward Value per Dollar Secured or Unsecured APR (Annual Percentage Rate) for Purchases Annual Fee
24.65% variable
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Helps you keep building your credit as you buy great name brand products.
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Get instant access to purchase items in the Fingerhut store with no overlimit fees.
Get a $500 credit limit to make purchases on the Horizon Outlet website.
Looking for the best card? You can have it while you build your credit with Horizon Card Services. Get an unsecured line of credit and the best customer service!
Shop the items you need at with up to a $1,000 credit.
Get a $300 to $5,000 instantly to shop 100,000+ items at Emporium.
24.65% variable
28.74% variable
6, 12, 18, and 24-month financing options available and special promotions just for cardmembers.

Compare up to 4 providers

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 (

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 (

  1. Go to the NetFirst Platinum ( website. Enter your email and zip code. Click Continue Activation.
  2. Complete the application form.
  3. Enter your debit or credit card information. Click Activate My Card Now.

How long will it take to get my NetFirst Platinum (

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 ( 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.

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Frequently asked questions

Adrienne Fuller

Adrienne Fuller leads the publishing team at She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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8 Responses

  1. Default Gravatar
    ArtieJune 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

    • finder Customer Care
      nikkiangcoJune 8, 2018Staff

      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!


  2. Default Gravatar
    JosephineMay 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

    • finder Customer Care
      JoshuaMay 15, 2018Staff

      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 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!


  3. Default Gravatar
    AnonymousMay 4, 2018

    Can I use a netfirst platinum at an ATM?

    • finder Customer Care
      JhezelynMay 4, 2018Staff

      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.


  4. Default Gravatar
    ArmaleanJune 5, 2017

    can I used my card at Walmart store

    • finder Customer Care
      AnndyJune 18, 2017Staff

      Hi Armalean,

      Thanks for your question.

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


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