Freedom Gold Shopping Cards Review

The Freedom Gold card is a card that is focused on giving individuals an opportunity to buy what they want within an online outlet. There are no interest charges and for a small membership fee, members receive much more than the opportunity to shop.

The Freedom Gold card gives its cardholders an unsecured credit limit regardless of credit status. The card issuer guarantees approval, gives a generous limit, does no credit check, does not check employment, and the online application is fast.

Basically, this card gives its cardholders the opportunity to have some spending power without having to own an actual credit card. This spending power takes place within the online store that has merchandise available that individuals may not be able to obtain otherwise without the card. The card gives members the opportunity to buy name brand merchandise without having to pay full price up front. (See Related: Shopping Credit Cards Explained)

How It Works

How it works is rather simple. It starts when you activate your account and you are automatically enrolled in the monthly benefit plan. The issuer is Horizon Card Services and they provide a generous card limit, prescription benefits, privacy protection, roadside assistance, and legal assistance benefits. There is a membership fee that is paid each month and it is low. It is auto-debited from the credit or debit card on file so that cardholders do not have to worry about remembering to make their payments. All cards that remain active on the monthly benefit plan does not have to pay the monthly card maintenance fee.

Freedom Gold Card
Freedom Gold Card
293 User Ratings

at Other Issuers secure site

Card Details

Intro APR

N/A

Ongoing APR

0%*

Balance Transfer

No*

Annual Fee

$0*

Credit Needed

Bad Credit OK*

Snapshot of Card Features

  • $500 Unsecured Credit Limit
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Reports to a Major Bureau
  • Bad Credit - OK
  • See Card Review
  • *See site for details
Open Details +

Late Payments

Accounts are considered in default when the payment is made late or if the terms and agreements are ever breached for any reason. If the account is in default, Horizon Card Services may demand the entire unpaid balance.

In the case that a payment is returned due to insufficient funds, there is a fee for returned debits or checks the second time the payment is returned. If the payment never goes through, then the payment is going to be considered late. If the payment is considered late, then the consequences of a late payment may apply. The company may take one of several actions with one of them being the member being required to pay the entire balance that they owe all at once.

You will be billed electronically or by paper each month for the minimum payment due on the card. If members choose electronic billing, then the bill will be sent to the email address on file each month. This is a way to secure your account because a lot of identity fraud occurs because individuals steal statements from mailboxes.

Fees And Rates

There are a number of fees and rates to be aware of. The financed amount is equal to open balance that is on the card. There is not APR on purchases, so you do not have to worry about there being any interest.

There is a shipping and handling charge for the items that are purchased in the outlet and those fees must be paid prior to the item being shipped. These fees vary based on where a customer is located. There is also a processing fee that varies per item purchased. This is charged in addition to the delivery signature verification and store residential delivery charges that are accrued from the order.

When the account is opened, there is a small Card Issuance and Account Validation fee that is charged to the account. There is also a monthly maintenance fee, but this is waived for active Horizon Card Services members. Horizon Card Services members are those paying the membership fee each month to take advantage of member benefits, such as prescription discounts, legal assistance, roadside assistance, and other deals that are made available to members.

After applicable fees are paid, there is a minimum monthly payment that is required to keep the account in good standing. As long as the account remains in good standing, cardholders are able to take advantage of all of the benefits available to them and will not be required to pay the balance in full or risk monies being paid for other items being applied to the late payment.

Fraud Protection

Fraud protection is an important quality in a card because it means that a person is going to be protected in a specific way in case the card is used fraudulently. Fraudulent use is defined as the card information being used fraudulently. A person may use it to make a purchase or they may use it fraudulently in some other way.

If that is the case, Horizon Card Services fully cooperates with law enforcement to ensure that the matter is taken care of. If a person believes that their personal debit or credit card has been fraudulently charged for application or processing fees, Horizon Card Services vows to make every effort to find a resolution. Before any action can be taken, however, the police report has to be mailed to the card company that details the alleged fraudulent act. The portion of the account statement showing the date and the amount of the charge must also be provided. It takes approximately two weeks for a resolution to be reached.

To ensure that the card is not used fraudulently, it is best to keep an eye on the account online. Always check your statements carefully. The same applies to any debit or credit cards that you have on file with Horizon Card Services. While the card company does not share the debit or credit card information of its Freedom Gold card members or any of its members with anyone, being cautious can protect you and the card issuer. (Related: ID Security Tips)

Final Word

The Freedom Gold card is a merchandise shopping card that gives its cardholders spending power, while also giving them a number of other benefits that will save them money. When looking for a way to buy the merchandise you want without having to pay interest or pay all at once, this is a way to go about it.

Horizon Gold Shopping Cards Review

The Horizon Gold Credit Card is an easy card to own in that there are courtesy programs, higher but still reasonable fees, and the card is easy to understand. Through the Horizon Card Services online store, the instant and reasonable card limit can be used to buy merchandise that may not be able to be acquired otherwise.

The Horizon Card Services offered merchandise gold credit card is a line of credit charge card that more than pays for itself in a number of ways. While there is no APR on the card, there are some other fees that are applied to the card. These fees are lower when compared to cards within the same class.

Benefits

In addition, the Horizon Card Service cardholders receive a number of courtesy programs.

  • The first is the discount prescription program that allows cardholders to receive discounts on their prescriptions at participating pharmacies.
  • The second is the legal help service, which can answer a cardholder’s legal questions about any legal matter that they are facing.
  • The third is roadside assistance, which gives cardholders help with towing, lockouts, gas, and tire changes.
  • The fourth is privacy serve that is geared mostly toward credit report monitoring to ensure that there is no fraudulent activity on the cardholder’s credit report.
  • Lastly, the fuel savings plan gives cardholders the opportunity to save on the cost of fuel.

Conveniences

In addition to these courtesies, services are the customer service that is offered. Customer service is available to help cardholders with their questions about their accounts. There is also a Customer Advocacy Department that takes care of customer concerns relating to the company itself. If a customer feels they have been mistreated in some way, the Customer Advocacy Department takes care of it.

Another convenience is the opportunity to manage the account online in a number of ways. In addition to shopping online, you are able to see your account balance before you shop and also keep track of what you’re paying, how much you’re paying, and any information related to your account. Customers can opt for their bills to be emailed to them or their bills to be sent to them through the postal service.

Fees

The main fees on the account are the one-time setup fee, which is very low, and the monthly membership fee. In order to have the card, a valid credit or debit card must be on file. This is necessary for the monthly membership fee to be charged to the account and the setup fee. Fees are not actually charged to the Horizon card itself.

Other fees may be associated with the actual merchandise purchases in lieu of an annual percentage rate. This is something that is important because APRs can cost a lot of money in the long-term. In this case, you are getting the cost out of the way and not having to worry about interest compounding over time.

In addition to these fees, the merchandise does have a shipping and handling charge. Exactly how much the shipping and handling depends on the item and where it is being shipped to. What the online store does is give cardholders exclusive access to merchandise that they may not have access to otherwise.

NSF Charge

If a cardholder makes a payment and it is returned due to insufficient funds, then the cardholder has the responsibility of making sure the account is brought current because the ability to charge merchandise to the card can be ceased in the meantime. An NSF (Non Sufficient Funds) fee is not charged until a second payment with insufficient funds occurs. In other words, you get one chance at insufficient funds without having to pay a fee at that time. However, any late payments and fees that are incurred need to be taken care of as soon as possible or the account will be downgraded to the basic starter benefits, which may include just a couple of the courtesy programs and for a reduced monthly fee. This does not include the ability to shop within the online store, as the account must be current in order to do this. (See Secured Cards)

Fraud Protection

The fraud protection comes in the way of advising cardholders that it is best for cardholders to not let anyone use their cards. The cards are only meant for the cardholders to use and any use otherwise could constitute Horizon moving forward with fraud charges, especially if the cardholder contacts the company and tells them that the card has been used in a fraudulent manner.

This goes hand-in-hand with the customer service that is offered. Cardholders are able to contact customer service with questions regarding the account and can acquire information that will help them effectively manage it.

In addition to being able to call customer service to manage the account, cardholders are able to access their account details online as well to determine their balance, available credit, and other details. If a cardholder decides they would like to receive their statements electronically, the statements can be delivered to their email, otherwise, the statements are sent through the postal mail.

Qualification

Horizon Gold Shopping Credit Card
Horizon Gold Shopping Credit Card
681 User Ratings

at Other Issuers secure site

Card Details

Intro APR

N/A

Ongoing APR

0%*

Balance Transfer

No*

Annual Fee

$0*

Credit Needed

Accepts All*

Snapshot of Card Features

Open Details +

There are a few criteria to qualify for the card. The first is to be 18 years of age with the second being that you must be a U.S. resident. The third qualification is that you place a credit or debit card on file. This card is used for the billing of the monthly fee and any other applicable fees that must be billed to the card. The monthly fee is auto-billed from the account so that you do not have to think about it. Auto-debt ensures that the fees are paid on-time so that you can continue the use of your card and taking advantage of all of the programs that accompany it.

How to Cancel Horizon Card Services Offer?

Call Horizon Card Service customer service at 1-800-251-6144 to tell that you want to cancel your Horizon Gold Card. If you make a call within 30 days of your billing circle, you may be entitled to a partial refund of your membership fee for that particular month.

The Horizon representative will try to offer you a reduced rate of $6.95 per month membership instead in order to keep the merchandise card. This offer has fewer benefits but still allows you to make purchases with your Horizon card on the Horizon Services website. If you do not want to take that offer, you may cancel your card.

PRO Tip
Don’t forget to write down the name of the person you speak with before you hang up. Also, make sure you get a confirmation number in order to verify the card has been canceled.

Final Word

Overall, the Horizon Gold Credit Card is a line of credit charge card that allows individuals the opportunity to own merchandise that they may not be able to own otherwise. Through the exclusive store, cardholders are able to shop with this card that has reasonable fees and courtesy programs that make the card pay for itself again and again.

Tronix Country Shopping Cards Review

You may want some of the best electronics on the market but your wallet tells you otherwise. With the Tronix Country Shopping Card, you don’t have to wait for cash in hand. You can apply for a line of credit, make payments each month and earn points while you do it.

A Convenient Way to Buy Electronics

This card makes it easy to buy electronics. While it can only be used at Tronix Country, they have all of the best brands and the latest models for you to choose from. You can find an array of tablets, televisions, laptops and much more.

When you make a purchase, you will be able to bill the purchase to your card. As long as you don’t exceed your credit line, you can continue to purchase as much as you want. As you make payments, you free up your credit line to continue making purchases to have all of the latest electronics in your possession.

There is a simple application process that will have you buying in a matter of minutes. You will receive a card in the mail, but even before then, you can make purchases. You will see what your monthly payment obligation is for each item before you make the purchase. This will allow you to confirm you can afford the payments before you complete the transaction.

Bad Credit Isn’t a Problem

Many people avoid credit applications because of a poor score. With this shopping card, it doesn’t matter if you have bad credit or no credit at all. There is no employment check and there is no credit check. Every person who applies is approved for the card. With no turn-downs, you can apply and know instantly that you will be approved.

Tronix Country™ Shopping Credit
Tronix Country™ Shopping Credit
346 User Ratings

Card Details

Intro APR

N/A

Ongoing APR

See Terms (Fixed)*

Balance Transfer

No*

Annual Fee

See Terms*

Credit Needed

Accepts All*

Snapshot of Card Features

  • NOTE: This card has been discontinued, and it is not available for application on our site.
  • Credit Increases Up To $5,000*
  • Fixed 0% APR
  • No Turn Downs
  • Reports to Major Bureau
  • No Employment Check
  • Bad Credit - OK
  • Guaranteed approval
  • See Card Review
Open Details +

The bank reports to all of the major credit bureaus. This gives you the opportunity to impact your credit score. If you make all your payments on time and you don’t abuse the card, you will be able to increase your credit score.

Related: Cards Reporting Credit Explained

There is no variable APR to contend with. One of the biggest reasons people avoid credit cards designed for bad credit is the high APR that you would be forced to pay. With this card, there is no APR. You simply pay the minimum payments that are described with each item that you purchase. This will ensure you don’t accumulate interest charges, which can add to your overall debt.

If you have bad credit or you have yet to establish credit, this card can still be yours. The only thing that is verified is your identity to avoid any kind of fraudulent activity. As long as you meet the requirements of the account, then you will be granted a card – regardless of what your credit score is.

Card Benefits

There are many Tronix Country Shopping Card benefits that you get. Not only do you get a convenient way to get the latest and greatest electronics and a guaranteed approval with the card, there are also other benefits that come with being a cardholder. You can access these benefits by doing absolutely nothing – and you don’t have to pay for the benefits, either.

  • Friendly customer service
  • Reward earning capabilities
  • Easy online application
  • Frequent credit line increases
  • Account management tools

There is a toll-free number on the back of your card. When you call this number, you will be connected to customer service so you can talk to a live representative. A friendly operator will take your call and answer any questions that you may have. This allows you to get immediate answers to all of your account activities and features that you may be wondering about.

When you purchase on the card, you earn rewards. These reward points will continue to accumulate throughout the year. Depending upon what you are saving for, you may be able to redeem for various rewards throughout the year. This is your chance to get free electronics simply by paying for all of your purchases with this card.

There is an easy online application for you to complete. It’s over a secure connection, so all of your information is kept private. You will be asked for your full name, billing address and other pertinent information. Remember that your credit score and your employment information will not be checked – any details you enter are strictly for opening your account. You will be accepted and will learn of your credit line in minutes.

Throughout the year, your account will be reviewed. This is your opportunity to get a credit line increase from time to time. If you are responsible with your account, you can plan on seeing at least one credit line increase in the year. If you want to get more electronics than what your current credit line allows, you can also make an inquiry with customer service to see if they are able to approve your request.

Account management tools are also provided to you so you can ensure you don’t exceed your budget. Only you know what you can afford. Even though you have more available with your credit line doesn’t mean you can make the minimum payments. By going online or looking at your monthly statements in the mail, you can learn of your balance, your payment information as well as what you have available within your credit line. For your convenience, you don’t have to write a check and mail it to make your payments. You can also pay over the phone or online to make it easier on yourself.

Final Word

Anyone can apply for the Tronix Country Shopping Card and begin making purchases. With the simple online application, it will be possible to start buying electronics – and earning points – almost immediately. All it takes is a few minutes to complete the application.

Prestige Plus Platinum Shopping Cards Review

Whether you have some credit issues or you simply prefer to deal with cash, it’s hard to deny that you need at least some credit these days. Online shopping clubs, like the one attached to the Prestige Plus Platinum card though, offer a simple, convenient way to get around this issue.

Not everyone feels that they need to have a credit card to survive in the global marketplace. While not having credit certainly limits your abilities as a consumer there are a few quality alternatives that can provide you with similar benefits.

For example, the Prestige Plus Platinum card from the USA Shopping Club can give you access to many of the things you might be thinking about buying but could have difficulty without credit. Whether you choose to not have credit because you simply don’t like it or you are trying to rebuild your credit because of some past issues, this is definitely an option worth looking into.

Freedom From Credit

With the Prestige Plus Platinum card from USA Shopping Club you get access to an online shopping mall without having to use a credit card to buy the things you want. Because of this, you will appreciate that you don’t have to worry about an annual percentage rate. Of course, this means that you don’t have to worry about the interest rate being a variable one that can change at any time.

Similarly, there is no minimum finance charge or transaction fee and you can’t go over the limit so you don’t have to worry about your spending either! Still, with this card, you can get access to an unsecured line of shopping credit with a limit of up to $2500!

Prestige Plus Platinum Shopping Card
Prestige Plus Platinum Shopping Card
35 User Ratings

Card Details

Intro APR

N/A

Ongoing APR

0% (Fixed)*

Balance Transfer

No*

Annual Fee

N/A

Credit Needed

Bad Credit OK*

Snapshot of Card Features

  • NOTE: This card has been discontinued, and it is not available for application on our site.
  • $2,500 unsecured credit line
  • No Credit Check
  • No Interest Charges
  • 100% Approval
  • Only 10% down payment required on purchases
  • See Card Review
Open Details +

Other Benefits

Along with all of these shopping benefits, the Prestige Plus Platinum from USA Shopping Club also provides you with some convenient features that you might not expect to see in alternative credit products. For one low monthly fee, you get access to the USA Shopping Club as well as benefits like:

  • Emergency Roadside Assistance
  • Credit Care with Credit Report
  • Prescription Discount Plan

Other Things You Should Know

It is very important that you remember that the USA Shopping Club Prestige Plus Platinum card is not associated with Visa, MasterCard or any other major credit card company. This is because it is not a credit card at all. Put simply, this is a membership company that gives you convenient access to stuff that you want to buy. There are two memberships:

  • Basic membership in the USA Credit Shopping Club Program (one-time startup cost)
  • Elite Service membership (minimal monthly charge)

When you apply for your account you should also be aware that USA Shopping Club expects you are at least 18 years of age, have a monthly income of $1,000 and the ability to make a minimum monthly payment of at least $250 (which is based on a maximum credit limit of $25,000, thus making your average payment about 10% or your monthly balance or $25, whichever is greater).

should also know that there are a couple of additional fees that can potentially be assessed to your account. These fees have some semblance to fees that you might pay if you have other credit cards so they should not seem out of the ordinary.

  • Late payment fee
  • Returned payment fee (including checks, ACH debits, and other credit cards)
  • There is also an “inactivity fee” which is charged if you do not shop regularly

You can apply for a USA Shopping Club Prestige Plus Platinum card using a simple and convenient online application. The application will ask you for:

  • First and last name
  • Street address including city, state, and zip code
  • E-mail address
  • Primary phone number
  • Secondary phone number
  • Preferred contact time
  • Date of birth
  • Whether or not you have a checking or savings account

As you can see, there are many components to membership of the USA Shopping Club and the Prestige Plus Platinum card.

Final Word

With the USA Shopping Club’s Prestige Plus Platinum card, you will enjoy credit-like features without credit-like restriction. There’s no credit check, no interest rates, and no finance charges to worry about. There are, however, a host of additional benefits like roadside assistance.

Net First Platinum Shopping Cards Review

The Net First Platinum is a shopping card that comes with a number of benefits that are designed to save the member money. In addition, the member is able to obtain name brand merchandise for reasonable prices and no APR.

The Net First Platinum card provides a number of benefits. The primary benefit is the shopping privileges. Members receive an unsecured credit limit that is guaranteed as long as the qualifications are met. The qualifications include being a U.S. citizen of at least 18 years of age with a valid debit or credit card. Once the credit limit is awarded, it can be used to buy name brand merchandise in the exclusive online store. Aside from small shipping and handling charges and an affordable monthly membership fee, there are very few fees involved in the use of the card. There is also no APR attached to the card, so that means there is no interest on purchases.

Related Read: Shopping Cards Explained, Secured Cards Explained

The other benefits include My Privacy Protection, My Universal Rx, My Roadside Protection, My Legal Assistance, and courtesy programs that enable members to save money. When taking advantage of the full benefits, members are able to offset some or all of the cost of the membership.

Issued by Horizon Card Services, it is a card that gives its members more than the typical shopping card. Some shopping cards give just shopping benefits, but there are others that give more. This is something that is very important to consider when doing comparisons between the different shopping cards that are available today.

My Privacy Protection

Everyone wants to protect their credit and that is something that My Privacy Protection helps members accomplish. They are able to monitor their credit report in an effort to ensure that there is no fraudulent activity. This is an ideal way for you to work on or maintain your credit since you will know what is happening within your credit file.

This can be a powerful tool against identity theft since that is something that is occurring more and more through mail theft, lost cards, skimming, and through other deceptive means. If someone steals your identity, you will know about it and that will give you the information you need to fight it.

My Universal Rx

My Universal Rx is a way in which you can save on your medications. Through this program, you are able to purchase medications for a significant discount. There is a list online that you can show your doctor so that he or she can prescribe you the qualifying medication that will treat your condition. Whether you need one or more medications once in a while or you need many medications frequently, there is money to be saved with this program.

This is ideal for those who have insurance plans that do not cover all of their medications or just a percentage. It is also good for those that don’t have insurance but need medications. This is a good way to keep those who go without medications because of cost from risking their health.

My Roadside Protection

Net First Platinum
Net First Platinum
227 User Ratings

at Other Issuers secure site

Card Details

Intro APR

N/A

Ongoing APR

0%*

Balance Transfer

No*

Annual Fee

$0*

Credit Needed

Bad Credit OK*

Snapshot of Card Features

  • Instant Approval / $500 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications
  • See Card Review
  • *See Card for Details
Open Details +

My Roadside Protection is going to give you some protection while you are on the road. If you are traveling locally or far from home, help will only be a telephone call away. You are allowed three service calls per year for towing, fluid delivery, lockout, and spare tire changing. Towing is limited to one call in a 30-day period. Nonetheless, this is assistance that will save you money and a lot of headaches when you are out on the road and break down.

Not only is this a service that saves you money, but it is one that will keep you safe when you are out on the road. That in itself can be considered priceless. Plus, you have the peace of mind that you will be taken care of if you find yourself in a bind.

My Legal Assistance

If you are faced with a non-criminal legal matter, My Legal Assistance is a great way to get the help that you need. You can take advantage of a number of online resources, but can also have a 30-minute consultation with an attorney specializing in the area you need help. This can help you make an informed decision as to who to use as your attorney in your legal matter. You can choose the attorney you consult with or you may decide that they are not for you. Either way, you are given choices for free.

Courtesy Programs

The courtesy programs can vary based on what is being offered at the time. One common courtesy program is My Fuel Savings. This is a great way to save money on fuel since everyone who drives a car needs it. There may be other courtesy programs added to the membership plan. It is best to check online frequently to see what programs are being offered so that you can properly take advantage of them.

Cost

The cost to have this membership program is minimal compared to the cost associated with programs outside of the membership that offer comparable services. In other words, members receive added convenience, savings, and security without having to pay a large amount of money for it. There is no APR to have the Net First Platinum shopping card, there are shipping and handling costs added to the cost of purchases, there is a one-time card issuance and account validation fee, and there are penalty fees in case of a late payment or returned payment. Other than those fees, that is all and that means the membership is one that is highly affordable for practically anyone.

Final Word

The Net First Platinum shopping card is a unique card to a membership that gives more than just the opportunity to shop for brand name merchandise. It gives roadside assistance, prescription savings, legal assistance, and more that helps save money and even offset some of the cost of the already low membership fee.

The Bottom Line

Freedom Gold Card Shopping Credit Card – The Freedom Gold card is an easy shopping card to manage. It allows individuals to shop in an online store that is easy to navigate, as well as take advantage of a variety of other benefits that are designed to save money. These benefits include prescription savings, roadside assistance, legal assistance, fuel savings, and more.
Next Steps: See More Details, Apply Online

Horizon Gold Shopping Credit Card – The Horizon Gold Credit Card pays for itself again and again in that it offers a number of courtesy programs, has low fees compared to other cards within its class, and owning it is easy. Horizon Card Service cardholders also have access to merchandise within the exclusive online store.
Next Steps: See More Details, Read Full Review, Apply Online

Tronix Country Shopping Card Offer – Electronics can be easier to obtain with the Tronix Country Shopping Card. No one will be turned down for the card – even someone with bad credit. Payments are flexible and points can be earned towards receiving free electronics throughout the year.
Next Steps: See More Details

Prestige Plus Platinum Shopping Card – Shopping clubs are the new way to provide people with the advantages of a credit card without many of the regulations that turn people off. The Prestige Plus Platinum card, for example, gives you access to the USA shopping club website without a credit check.
Next Steps: See More Details

Net First Platinum Shopping Card – The Net First Platinum is a competitive shopping card because of the benefits that it comes with. Members are able to take advantage of the shopping benefits, as well as a number of exclusive benefits that add a little more convenience to life.
Next Steps: See More Details, Apply Online

Shopping Credit Cards Alternatives