Merit Platinum Card

Shopping card with $750 unsecured merchandise line of credit* and zero interest

Updated: Sep 19, 2022

Advertiser Disclosure

The Merit Platinum Card is a shopping credit card that offers instant unsecured credit up to $750*. There are no credit checks or employment verification for getting approved for the Merit card. All you have to do is fill out a short online form, pay fees and get the card. Merit can be a good tool for building or improving credit scores.


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491 User Ratings

Merit Platinum Card

at Merit's Secured website

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Application Fee


Credit Reporting


Recommended Credit Score

Bad Credit OK

Key Features

  • $750.00 unsecured credit line*
  • 0% Interest
  • Fast and Easy Application
  • No Employment or Credit Check
  • * Usable only at the Horizon Outlet

Our Take

The Merit Platinum Card, issued by Horizon Card Services, is a merchandise credit card designed for shoppers with no or limited credit. Applying for a Merit Platinum Merchandise Credit is relatively easy. All you have to do is fill out an online application form and you’re done. Since this is a shopping credit that can only be used at Horizon Outlet, there are not many requirements to be approved online. Approval can be done quickly, in less than 1 minute online. There are also no credit or employment checks. Each new member has access to a premium unsecured line of credit up to $750*. You can use it to purchase products and services online on the Horizon website. Please note that this unsecured credit card has a monthly fee.

What Are the Advantages of Merit Platinum Card?

High unsecured credit

The Merit card comes with up to $750 unsecured line of credit. This means that you can borrow money without having to put up any collateral, and you are preapproved in less than a few minutes. This is great news as you can start shopping right away and pay back later.

No credit check

There is no credit check to get preapproved for the high unsecured line of credit. Just submit the required information and you are done. As simple and easy as that. Just be aware that there are fees.

No employment verification

It means that you don’t have to provide any documentation to prove that you are employed at the moment. This is great news because you can get preapproved instantly and get up to $750 without having to go through all of the hassles of getting employment verification.

Are There Any Disadvantages?

Can only be used at the Horizon Outlet

The Horizon Outlet can be a great place to find deals and great items. However, it is important to keep in mind that the Merit Credit can only be used at the Horizon Online Outlet. This means that if you are looking for something specific, you may not be able to find it there. Additionally, the Horizon Store may not have the same selection or pricing structure as the regular stores.

Monthly maintenance fee

The Merit Shopping Credit comes with a monthly maintenance fee. This is an extra charge, and it can really add up. The maintenance fee covers the cost of all the services and existing benefits. While it’s nice to get a high credit line so fast, the maintenance fee can really put a strain on your budget. So, make sure you are able to pay it on monthly basis.

What are Other Benefits?

  • My Universal RX
  • Free roadside assistance
  • My Legal Assistance
  • My Privacy Protection

Merit Platinum Alternatives

Frequently Asked Questions

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Basic Information
Issuer: Horizon Card Services
Network: Other Networks
Category: Consumer (Stored Value)
Best Used For:
  • Cards for Bad Credit
  • 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

Merit Platinum Card Alternatives

Merit Platinum Card

Merit Platinum Card


Annual Fee

See Terms

Regular APR


Intro APR


Rec. Credit Score

Bad Credit OK

*The information provided for Merit Platinum Card is believed to be accurate at the time of evaluation or recent update on September 19, 2022. 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.

Merit Platinum Card

Reviews - (1 User Reviews)
Share your experience and rate the Merit Platinum Card
April 1, 2021
Grant (18-25) - Cardholder
Income on Application
Credit Score
Fair (580-669)
Credit Limit
Filed for Bankruptcy

I enjoy using it

I only applied for the Merit card because I wanted to boost up my credit score. Now I actually enjoy using it. The online application was easy to fill, they didn’t do any credit checks, and I got my card in two weeks. You can’t use it everywhere, only in the Horizon outlet store, but that’s good enough for me. I don’t mind the fees, I think they’re fine, but I always pay off my card debt in time so I don’t know if the fees are high if you’re late. I think the card’s great.
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Merit Platinum Card

Merit Platinum Card

Rec. Credit Score: Bad Credit OK

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