Freedom Gold Card

Unsecured store card with credit reporting. Helps build credit score

Updated: Mar 08, 2024

Advertiser Disclosure

The Freedom Gold Card is a merchandise credit card designed to help people with bad credit rebuild their financial stability by providing a 750$ unsecured credit* line for online shopping at the Horizon Outlet. If you're looking for a financial solution that will take care of your online purchasing needs, this card might be the best solution. The card offers some additional benefits with instant approval and low application requirements. While there are certain fees to worry about, the card allows you to make online purchases at 0% APR.


See Terms


0% Fixed



270 User Ratings

Freedom Gold Card

at Freedom Gold Secured website

Apply Now

Application Fee


Credit Reporting


Recommended Credit Score

Bad Credit OK

Key Features

  • $750 Unsecured Credit Limit (Usable only at
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Bad Credit OK

Our Take

Freedom Gold Card is a merchandise credit card catering exclusively to people who struggle financially to recover from bad credit and can serve as an additional financial lifeline. However, the potential applicants must understand that this card comes with a limitation – it can only be used for online purchasing at Horizon Outlet, the issuer’s online store.

If you lack any other viable financing solution, this might be your way out of financial perils, especially if you’re a person with bad credit. Freedom Gold is designed to help those who struggle with poor credit and want to make purchases online right away thus pay later. Most card issuers don’t find cardholders with lousy credit eligible for their regular offers. Thanks to Freedom Gold, they can apply for this unique card and get up to the $750 unsecured credit* limit for shopping. The card offers some benefits to the users, such as travel assistance and low application requirements.

Who Is The Freedom Card For?

The Freedom Gold Credit Card is meant for online shopping at the Horizon Outlet store. The applicants can count on a high starting credit line and 0% APR. The card comes with no credit check included, which means that the cardholders are prone to automatic membership enrollment. However, this enrollment comes with a fee. Poor credit applicants might find these fees to be a bit steep in comparison to some other solutions at their disposal.

On a more positive side, this card doesn’t include interest charges due to being a charge card. That means a cardholder should make balance payments in full every month. This is a great card for all who want to shop at the Horizon Outlet. However, we would advise caution as there are many fees included that might add to your overall expenses.

The Benefits of Freedom Gold Merchandise Credit Card

The first and most obvious benefit is no interest. This is extremely important for all those with poor credit as they can make purchases with 0% APR. While cardholders are required to make their due payments every month, this card allows them to carry a balance, free of charge. The other attractive benefits come with Horizon Card Service membership, which includes a monthly membership benefit plan. The plan includes both discounts and benefits such as:

  • Legal Help
  • Roadside assistance
  • Prescriptions

The card is intended for those with poor credit as a financial solution that can help rebuild their financial histories, but it all depends on your current financial state. If your goal is to rebuild your credit, you should probably look into secured credit card solutions. The other Freedom Gold Card benefits include:

  • Free credit report
  • Travel assistance

What Are the Disadvantages of Freedom Gold Card

This is a rather expensive card that includes a monthly maintenance fee. The card also doesn’t offer any signup bonus or any other rewards for that matter, not even cash-back. Furthermore, similar cards include a rewards program on every purchase, but that is not the case with this one. Freedom Gold also doesn’t report to all three major credit bureaus, but the real problem is trying to cancel the membership. Membership cancellation includes a monthly maintenance fee. Moreover, if you’re late with your monthly membership payments for three consecutive months, your membership status changes to the basic starter package.

Should You Use the Freedom Gold Credit Card?

Since this is a card intended for people with bad credit, it’s rather expensive and, therefore, not recommendable as a viable credit-building solution. Aside from limited benefits, no rewards, and quite a few fees. If you’re looking for a credit card that will significantly improve your financial position, this might not be the best card for your needs. However, if an unsecured credit limit of $750 that you can use in an online retailer works for you, then the Freedom Gold Card is all you need.

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Basic Information
Issuer: Horizon Card Services
Network: Other Networks
Category: Consumer (Stored Value)
Review: Full Card Review
Best Used For:
  • Cards for Bad Credit
  • Shopping
  • Unsecured
  • No Credit / New to Credit
  • Damaged Credit
  • No Credit Check
  • Instant Credit
Rewards: No
Rates & Fees
Regular APR: 0%
Regular APR Type: Fixed
Annual Fee: See Terms
Balance Transfer: No
Grace Period: None
Other Fees:
  • Account activation fee: $0
  • Monthly membership fee: $14.77

Freedom Gold Card Alternatives

Freedom Gold Card

Freedom Gold Card


Annual Fee

See Terms

Regular APR


Intro APR


Rec. Credit Score

Bad Credit OK

Additional Information & Comments

*See site for details. This card is NOT a credit card but a shopping card.

*The information provided for Freedom Gold Card is believed to be accurate at the time of evaluation or recent update on March 08, 2024. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

Freedom Gold Card

Reviews - (1 User Reviews)
Share your experience and rate the Freedom Gold Card
July 29, 2022
David (46-55) - Cardholder
Income on Application
Credit Score
Needs Work (300-579)
Credit Limit
Filed for Bankruptcy

A low-requirement unsecured card

I saw an ad for this card where it was represented as a viable credit building financial tool. Since I’ve been struggling to get my credit up for a while, I’ve decided to give it a try. Now I regret it. The card was so easy to get that I didn’t even bother to ask myself why, but then I found out. This card is expensive as hell, but the worst thing is you can only use at Horizon Outlet. There are so many fees that it’s hard to keep track. Avoid this card at all costs.
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Freedom Gold Card

Freedom Gold Card

Rec. Credit Score: Bad Credit OK

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