Principal Platinum Merchandise Credit Card

Platinum shopping credit with 7-days trial, 0% interest and $750 credit

Updated: Feb 13, 2023

Advertiser Disclosure

Principal Platinum Merchandise credit card, issued by Horizon Card Services, is designed for those with fair, no credit, or damaged credit who are looking for a "Buy Now. Pay Later." unsecured store card that reports credit activity to the main credit bureau, has 0% interest and offers $750 credit. Principal Platinum comes with membership fees but features 7 days free trial period.


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0% Fixed



49 User Ratings

Principal Platinum Merchandise Credit Card

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Application Fee

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Credit Reporting


Recommended Credit Score

Accepts All

Key Features

  • 7-day Risk-Free Trial
  • Instant Approval / $750 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit and No Credit are Accepted
  • Always 0.0% APR
  • Fast Online Applications
  • IMPORTANT: Must have an Active Debit Card or Credit Card to qualify.

Our Take

The Principal Platinum Card is designed for people with damaged, fair, bad, or no credit. It comes with an unsecured $750 credit line and monthly credit reporting to the main credit Bureau. There is no credit check, no employment verification, and no turn downs even for those with bankruptcy history. Everyone who is a legal US resident and 18 years or older can get approved instantly once identity is verified. However, there is a catch – the applicant should have a valid, U.S. issued credit card or debit card and there is a monthly membership fee to access provided benefits in full. The membership fee will be charged the next day after the 7-days trial ends.

What Are Key Principal Platinum Catalog Card Benefits?

  • 7 days trial. New members receive 7 days free trial to test drive card features and the benefits
  • Exclusive $750 credit. Unsecured $750 is offered instantly after the application is approved.
  • Monthly credit report. All credit activities are reported to the main credit bureau monthly
  • Credit Hawk. Members receive 24/7 credit monitoring and see their credit score anytime.
  • Legal Assistance. Received 30 min of free legal consultation.
  • Prescription discount plan. Receive up to 50% off at more than 55,000 pharmacies nationwide
  • Identity theft insurance. Members receive ID protection services at affordable pricing.

Principal Platinum Catalog Credit 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
  • 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

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Additional Information & Comments

This card is a merchandise credit card, NOT a credit card.

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

Principal Platinum Merchandise Credit Card

Reviews - (1 User Reviews)
Share your experience and rate the Principal Platinum Merchandise Credit Card
May 16, 2021
D. Hendricks (36-45) - Cardholder
Income on Application
Credit Score
Good (670-739)
Credit Limit
Filed for Bankruptcy
Yes - 7 mos.

Instantly Approved

I was approved for $750 with a 690 credit score. I was surfing online when I came across a pop up for this card. I did a quick research about it, liked what I saw and applied. Applying took less than 5 minutes. I WAS IMPRESSED!
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Principal Platinum Merchandise Credit Card

Principal Platinum Merchandise Credit Card

Rec. Credit Score: Accepts All

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