Freedom Gold Merchandise Credit

Unsecured store card with credit reporting. Helps build credit score

Updated: Sep 27, 2021

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



257 User Ratings

Freedom Gold Merchandise Credit

at Freedom Gold Secured website

Apply Now

Application Fee


Credit Reporting


Minimum Credit Needed

Bad Credit OK

Key Features

  • 7-day Risk-Free Trial. Cancel anytime
  • $750 Unsecured Credit Limit
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Reports to a Major Bureau
  • Bad Credit Accepted

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 $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 $750 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 rather an 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 canceling 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, the card reports to only one major credit bureau. 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.

Apply Now
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
  • Building 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 Merchandise Credit Alternatives

Freedom Gold Merchandise Credit

Freedom Gold Merchandise Credit


Annual Fee

See Terms

Regular APR


Intro APR


Min. Credit Level

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 Merchandise Credit is believed to be accurate at the time of evaluation or recent update on September 27, 2021. 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 Merchandise Credit

Share your experience and rate the Freedom Gold Merchandise Credit
Freedom Gold Merchandise Credit

Freedom Gold Merchandise Credit

Min. Credit Required: Bad Credit OK

Save to Compare

My Saved Cards (0)

Compare Saved Cards

Market Pro Secure® has made it easy to find the best card offers for you. All you need to do is find the cards you like, click "Save Card", and compare side-by-side.


Advertiser Disclosure

Market Pro Secure® is an independent payment card comparison service supported by advertisers, a complete list of which can be seen in our Editorial Guidelines. Even though some of these advertisers are financial product providers and credit card issuers, our paid partnerships don't affect card ratings or the Best Card Picks on our website. We don't post any content that is provided or commissioned by any of our partners. However, our paid partnerships may affect how and where products appear on our site, including the order in which they are presented within listing categories. This order may also be affected by our website rules, as well as the likelihood of the applicant’s credit approval. We can't offer any warranty for the accuracy of the credit card information we share on our website, even though we do our best to keep the Terms and Conditions, rates, and other credit card details up-to-date. For more accurate information, click "APPLY NOW" to get transferred to the credit card issuer's official website. Market Pro Secure® doesn't include all available payment cards in the marketplace.