Merit Platinum Merchandise Credit

Shopping card with $750 unsecured credit and zero interest

Updated: Sep 27, 2021

Advertiser Disclosure

The Merit Platinum Card is a shopping credit card that offers guaranteed approval and 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 also reports credit activities to credit Bureaus and can be a good tool for building or improving credit score.


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0% Fixed



487 User Ratings

Merit Platinum Merchandise Credit

at Merit's Secured website

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Application Fee


Credit Reporting


Minimum Credit Needed

Bad Credit OK

Key Features

  • $750.00 Unsecured credit line
  • Guaranteed Approval
  • 0% Interest
  • Reports to Major Credit Bureau
  • Fast and Easy Application
  • No Employment or Credit Check

Our Take

Issued by Horizon Card Services, the Merit Platinum Card is a merchandise credit card designed for those shoppers that have no or limited credit. This card offers credit building tools by reporting credit activity to 1 credit Bureau on monthly basis. Applying for a Merit card is relatively simple. All you have to do is simply fill out an online application form and you are done. Seeing that this is a shopping credit card designed to be used exclusively on the Horizon Outlet, there are no many requirements for getting approved online. Approval is guaranteed! There are no credit checks or any employment verification either. Every new member will be entitled to a high unsecured credit line upto $750 that can be used to purchase any product or service from their website online. Keep in mind that this unsecured credit card has a monthly membership fee.


  • High unsecured line of credit
  • Credit reporting
  • Guaranteed approval
  • No credit or employment verification


  • Limited use
  • Monthly maintenance fee

What are Other Merit Merchandise card Benefits?

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

Merit Platinum Alternatives

Merit Platinum Card FAQ

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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
  • Guaranteed Approval
  • 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 Merchandise Credit Alternatives

Merit Platinum Merchandise Credit

Merit Platinum Merchandise Credit


Annual Fee

See Terms

Regular APR


Intro APR


Min. Credit Level

Bad Credit OK

*The information provided for Merit Platinum 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.

Merit Platinum Merchandise Credit

Reviews - (1 User Reviews)
Share your experience and rate the Merit Platinum Merchandise Credit
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 Merchandise Credit

Merit Platinum Merchandise Credit

Min. Credit Required: Bad Credit OK

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