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The Horizon Gold Credit Card is a line of credit charge card that offers cardholders the opportunity to make merchandise purchases that they may not be able to make otherwise. In lieu of the APR, there are specific fees that are not as high as competing cards and there are a number of courtesy programs that make the card more than pay for itself.

Horizon Gold
Intro APR  APR Annual Fee 
N/A* 0.00% * $0*
Apply For Horizon Gold

Basic Information

Issuer: Other Issuers
Card Network: Other Networks
Card Category: Consumer (Shopping)
Card Type: - Card for Bad Credit
- Guaranteed Approval
- Shopping Card
Credit Needed: Accepts All*

Card Review

Prepared by . Opinions expressed therein are solely those of the reviewer.

The Horizon Gold Card is a unique line of credit that gives cardholders the opportunity to buy merchandise out of the Horizon online store. This allows cardholders to obtain merchandise that they may not be able to obtain otherwise and without an APR. There is a monthly fee and a one-time account setup fee that is charged. This fee is auto-debited from a debit or credit card that is on file with the company rather than from the account balance.

There are few fees with the card, but there may be charges associated with purchases and there are shipping and handling fees depending on the item and where it needs to be shipped to. Other fees include an NSF fee, which isn't charged until after the second NSF. When default happens on the account, it is downgraded to basic benefits, which are received at a reduced cost and the credit line cannot be used until the account is brought current.

There is also fraud protection, as the card is to only be used by the card member. If there is suspected fraud on the account, then the company will prosecute in order to recover the damages. There is also a customer advocacy service that works with customers if they feel they have been mistreated by the company in some way. This is one element of the customer service department that is unique.

Lastly, customers can choose to be billed electronically or to receive paper bills, based on how the customer wishes to manage their account.

Horizon Gold card helps you with your credit by reporting to main credit bureaus every 30 days. This card is a shopping card NOT a Visa or a Mastercard card and can be used only for purchases from Horizon merchant.
Card rating:
(3.5 out of 5) total 615 votes
Most attractive features: - Reports to Credit Bureaus
- Guaranteed unsecured credit
- Instant approval
Least attractive features: - Limited use


Other Benefits: - Roadside Protection Service
- Unlimited access to your Credit Report
- Comprehensive Legal Assistance Plan
Online Card Account Access:
100% Guarantee Approval:
Credit Reporting:

Card Finance & Rates

Introductory APR (%): N/A*
Introductory Period: N/A*
Regular APR (%): 0.00%*
Annual Fee: $0*
Grace Period: N/A*
Minimum Credit Line: $500*
Late Payment Fee: $20.00*

Balance Transfers

Balance Transfer:

Other Fees

Opening Minimum: See Terms
Application Fee: See Terms
ATM Fee: See Terms
Additional Fees  
See website for Details*


*See terms and conditions


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* The information provided for Horizon Gold is believed to be accurate at the time of evaluation (May 21, 2019). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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