Horizon Gold Merchandise Credit Card

Shopping credit designed to help people with a terrible credit score

Updated: Jul 4, 2024

Advertiser Disclosure

The Horizon Gold card can be used for online shopping at the Horizon Outlet, so even if someone doesn't have a credit history at all, it can be a good card for starting things off. When using this card for purchases, all the activity is reported by the card issuer to one of the major credit bureaus, giving users the chance to improve their scores on a monthly basis. Apart from that, this card also gives you access to some crazy discounts and interesting perks. However, all of this comes with an annual price that is billed each month. It's an unsecured credit card, which means that there is no need for security deposits.


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698 User Ratings

Horizon Gold Merchandise Credit Card

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Application Fee


Credit Reporting


Recommended Credit Score

Accepts All

Key Features

  • 7-day Risk-Free Trial
  • Instant $750 Credit Line*
  • No Credit Check
  • Fast Online Application
  • Bad Credit Accepted
  • Credit reporting
  • Cancel anytime

Our Take

Having a low credit score is a bottomless pit. It can be really difficult to get out of and get your score back on track. There are a lot of cards designed to do this, but in reality, only a handful of card issuers really accept applications from people that have a credit score of 300 or lower. Horizon Gold Shopping Credit Card from Horizon Card Services Company is one of those cards that everyone can get. There is no credit inquiry or employment inquiry for applicants, and the whole event isn’t recorded in their credit history. However, there is no need to worry about this because literally anyone gets approved for this card. The Horizon Gold card has almost no requirements, and the whole process of getting the card is quick and simple.

Who is the Horizon Gold card for?

As mentioned before, this card is designed for those that have a really bad credit score or don’t have any credit history. The application requirements are pretty basic. They don’t resemble a credit card application at all because this is fundamentally a store card that can be used on the Horizon Outlet site. Anyone can get this card without any consequences whatsoever. If you are a frequent buyer at the Horizon Outlet, and you don’t have good credit, you can use your shopping habits to slowly improve your score.


  • Reports to Credit Bureaus
  • No security deposits required
  • 0% interest
  • Unsecured credit
  • Credit increase


  • Membership fee
  • Limited usage

Horizon Gold Shopping Credit Card Benefits

  • Reports to Credit Bureaus. Horizon credit reports to the main credit bureau monthly and thus help improve credit faster.
  • No security deposits required. Horizon Gold is an unsecured card meaning that it doesn’t require any deposit payments.
  • 0% interest. The card also doesn’t have any interest in purchases, so you don’t have to worry about it.
  • Unsecured credit. It has a $750 fixed limit, which is a solid amount for starters.
  • Credit increase. The credit limit can be increased after 3 months if the cardholder showcases responsibility and makes all the payments on time.

Disadvantages of Horizon Gold Credit Card

  • Membership fees. Horizon Gold Card also has its downsides. After all, you can’t expect to get a credit rebuilding card for free, especially when everyone can get approved for it. With Horizon Gold, the downside comes in the form of high annual fees that can go over $150. However, these fees are split and billed on a monthly basis to make it easier for cardholders. But if the fee is too high for users, they can ask to get a downgrade to a basic account. With it, the monthly fee is $6.95, but you lose some of the perks.
  • Limited usage. The Horizon credit can be exclusively used at Horizon Outlet

Additional Horizon Gold Perks and Discounts

  • Legal Assistance: gives cardholders the right to a free consultation with a local legal professional. To use this perk, cardholders need to contact the customer support of Horizon Gold.
  • Roadside Protection: this perk gives account owners 3 free towing requests or service calls annually. However, cardholders are limited to 1 call per month.
  • Prescription discount: cardholders that have prescriptions for medications get a 40% discount on those products.
  • Privacy protection perk: this benefit gives all the users a free credit report check every year. They can use any of the three largest bureaus for their report through AnnualCreditReport.com.

Should I use the Horizon Gold Card?

If you are a loyal shopper at the Horizon Outlet store and you have bad credit, then this card is ideal for you. You can use it to shop for your favorite products online, get discounts, perks, and build your credit score. In case you don’t want a card that requires you to put down a deposit, the Horizon Gold is the one you’re looking for. At the same time, if you are looking for a card that doesn’t carry initial fees apart from the $5 activation fee, you should try out this one. If you are considering buying products from the Horizon Outlet, maybe this is the perfect opportunity to start using their card.

Horizon Gold Shopping Credit FAQ

Horizon Gold card helps you with your credit by reporting to the main credit bureaus every 30 days. This card is a shopping card NOT a Visa or a Mastercard card and can be used only for purchases from Horizon merchant
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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
  • Instant Decision
  • Shopping
  • Unsecured
  • Building 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

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Non-Affiliate Offer Disclosure
*The information provided for Horizon Gold Merchandise Credit Card is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.

Horizon Gold Merchandise Credit Card

Reviews - (2 User Reviews)
Share your experience and rate the Horizon Gold Merchandise Credit Card
June 25, 2020
Aliyah Z. (26-35) - Cardholder
Income on Application
Credit Score
Don't know
Credit Limit
Filed for Bankruptcy

I’m always happy with Horizon Outlet, and that extends to their Horizon Gold credit card too!

I love shopping cards, and I love Horizon Outlet! I always purchase all of my electronics there, and so far, they've never failed me! It is a little pricey, but the discounts make it well worth the price. When I came across the Horizon Gold Card, I instantly knew that I wanted it. This is a great store card with a relatively high credit limit, and it even says I can increase it. I haven't been using this card for too long, but as of now, I’m absolutely amazed by it. This is a great card for people who are passionate about purchasing at Horizon Outlet.
Fees & Charges:
Features & Benefits:
Customer Support:
Application Process:
Comment (0)

May 27, 2020
Melissa (26-35) - Cardholder
Income on Application
Credit Score
Needs Work (300-579)
Credit Limit
Filed for Bankruptcy
Yes - a few months

Thank God I finally got a card

For some time I’ve been having issues with my cards and money in general. I struggled and couldn’t pay back the money I owned. In the end I went into bankruptcy and somehow got back onto my feet but when I tried to get a new card, nobody would give me one. I contacted Horizon Gold to see if I could get their card and when I applied, I got it right away! THANK YOU, THAN YOU, THANK YOU. I finally have the chance to improve my score and get back on track.
Fees & Charges:
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Horizon Gold Merchandise Credit Card

Horizon Gold Merchandise Credit Card

Rec. Credit Score: Accepts All

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