Merit Platinum Card
Shopping card with $750 unsecured merchandise line of credit* and zero interest
Updated: Sep 19, 2022
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.
ANNUAL FEE
See Terms
ONGOING APR
0% Fixed
INTRO APR
N/A
at Merit's Secured website
Apply NowApplication Fee
$0
Credit Reporting
No
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
| Issuer: | Horizon Card Services |
|---|---|
| Network: | Other Networks |
| Category: | Consumer (Stored Value) |
| Best Used For: |
|
| Rewards: | No |
| Regular APR: | 0% |
|---|---|
| Regular APR Type: | Fixed |
| Annual Fee: | See Terms |
| Balance Transfer: | No |
| Grace Period: | None |
| Other Fees: |
|
Merit Platinum Card Alternatives
Merit Platinum Card |
| APPLY NOW |
|
Annual Fee See Terms |
|
Regular APR 0% |
|
Intro APR N/A |
|
Rec. Credit Score Bad Credit OK |
IMPORTANT
*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)
April 1, 2021
Grant
(18-25) - Cardholder
Income on Application
$21000
Credit Score
Fair (580-669)
Credit Limit
$500
Filed for Bankruptcy
No
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.
Fees & Charges:
3/5
Features & Benefits:
4/5
Customer Support:
5/5
Application Process:
4/5
Merit Platinum Card
Save to Compare