Merit Platinum Card

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

Updated: Aug 18, 2023

Advertiser Disclosure

The Merit Platinum Card is a shopping credit card designed for those shoppers who have limited or no credit. The card offers an instant unsecured credit line of up to $750* with no credit check or employment verification required. All that is needed to apply is to fill out a short online form and pay any applicable fees. The Merit card can be a great tool for building or improving credit scores. Other benefits include My Universal RX, free roadside assistance, My Legal Assistance and My Privacy Protection.


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0% Fixed



500 User Ratings

Merit Platinum Card

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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

Issued by Horizon Card Services, the Merit Platinum Card is a merchandise credit card designed for those shoppers that have no or limited credit. 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 fast and online! There are no credit checks or any employment verification either. Every new member will be entitled to a high unsecured credit line up to $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 credit
  • No credit check
  • No employment verification


  • Can only be used at the Horizon Outlet
  • 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

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

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Non-Affiliate Offer Disclosure
*The information provided for Merit Platinum 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.

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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