NetFirst Platinum Card Review |

NetFirst Platinum ( review – July 2018

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A store card with a line of credit for The Horizon Outlet that offers everything from clothing, toys and accessories. If you have no or poor credit you’re guaranteed approval.

Known for: The NetFirst Platinum ( can benefit those with bad or no credit and enjoy shopping at the Horizon Outlet website. The application process doesn’t require a credit or employment check, and everyone who applies is guaranteed approval.

Minimum credit score: The NetFirst Platinum ( doesn’t list a minimum credit score requirement. You can be approved with bad or no credit. In fact, the card does not require a credit check when signing up.

Product NameNetFirst Platinum (
Annual Fee$0
Interest Free PeriodUp to days
Minimum Interest$0
Late Payment Fee$25
Returned Payment Fee$25
Additional Cardholder Fee$0
Minimum Age18 years of age

Issued by Horizon Card Services, the NetFirst Platinum ( is marketed toward those with bad or no credit. It reports to Equifax credit bureau, but its disclaimer states that it does not attempt or claim to attempt to establish, reestablish or repair any customer credit history. The card allows for a $500 unsecured credit limit, and boasts having easy terms.

Whenever you’re exploring different cards, be sure to look at the fees and interest rates. Card companies don’t always list their fees on their main homepage. This holds true for the NetFirst Platinum ( In fact, you have to look into the NetFirst Platinum (’s terms and conditions to see that it charges monthly and processing fees per transaction.

It’s important to note that the NetFirst Platinum ( isn’t a credit card, and is instead a line of credit for the Horizon Outlet website.

Product details

  • APR for purchases. 0%
  • Annual fee. $0 — but there are monthly fees.
  • Monthly fee. per month.
  • Monthly payment. or 10% of the account balance owed, whichever is greater.
  • Benefits plan monthly membership fee. .
  • One-time card issuance and account validation fee. $15.00.
  • Fee for returned checks or debits. $25.
  • Outlet store delivery signature verification. $2.50.
  • Outlet store residential delivery. $2.00.
  • Card type. Line of credit.
  • Maximum credit limit. $500.
  • Currency conversion rate. None.
  • Late payment fee. $25.
  • Processing fees. Varies.
  • Fees for returns. None.
  • Cancellation fee. None.
  • Foreign currency conversion fee. None.
  • Minimum interest. None.

This card can only be used online when you shop at the Horizon Outlet.

What are the benefits of the NetFirst Platinum (

The NetFirst Platinum ( has a few benefits, and is especially designed for those with a poor or no credit history. This is mainly because the application process doesn’t require a credit check. In fact, the application is simple and quick. If you’re feeling trapped by your credit score, the NetFirst Platinum ( could be worth looking into. The approval process also doesn’t require an employment check.

  • Credit bureau.
    The NetFirst Platinum ( reports to Equifax credit bureau.
  • Credit limit.
    With the card, you can qualify for a maximum unsecured $500 credit limit.
  • Approval.
    You’re 100% guaranteed approval.

What to watch out for

Though the NetFirst Platinum ( is offered to those with poor credit, there are some major drawbacks. First, the card can only be used for purchases made on the Horizon Outlet website; this is especially important to note since NetFirst Platinum does not disclose this upfront.

Next, if you aren’t a member of the Horizon Outlet, you can’t explore its merchandise. This makes it difficult for you to decide if the card would benefit you. Many customers miss this fact, saying it isn’t clearly advertised.

Finally, there’s a monthly maintenance fee that is automatically debited. This means you can expect to pay almost $250 per year in maintenance fees, which is much steeper than most other credit cards for those with low or no credit. There are also varying processing fees with each item you buy through the Horizon Outlet.

Remember, the NetFirst Platinum ( is not a credit card, but a line of credit. Horizon Card Services states that it’s not affiliated with any credit services organization, banking or insurance organization — it’s not a Visa, Mastercard or debit card.

If you’ve heard that the Horizon Outlet has the merchandise you need, the NetFirst Platinum ( could work for you. If you would like a card for other stores, you may want to explore other options.

Am I even eligible?

You can apply for the NetFirst Platinum ( if you are:

  • At least 18 years old.
  • A US citizen.

What information do I need to apply?

  • Contact information, including email.
  • Birthdate.
  • Credit or debit account to pay for membership fees.

How to apply for the NetFirst Platinum (

NetFirst Platinum ( claims the card application process is quick and simple. First, just go to and fill in your email address and zip code. From there, continue to the NetFirst Platinum ( activation page. While the website does not explain the application process upfront, you can expect to input your personal details for identification verification purposes.

As always, read the terms and conditions before signing up. Additionally, you should be aware that upon signing up, you are subject to OFAC and Patriot Act Verification.

I got the card. Now what?

After account activation, you will receive your card within five days to two weeks.

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 is automatically deducted.

Your payment schedule will vary on the item you purchase.

The card does not offer any rewards. Though it’s not a credit card, it does report to Equifax credit bureau.

The major drawback of NetFirst’s is the lack of information provided on the website, and that it only works with Horizon Outlet.

Bottom line

If you have poor credit and are looking for a card to use exclusively with the online Horizon Outlet Store, the NetFirst Platinum ( could be a helpful solution. For general shopping, another card may be a better choice. Before going with the NetFirst Platinum (, be sure to check out other credit cards that are similar.

Frequently asked questions about NetFirst Platinum

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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