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The Merit Platinum Card is one of the few shopping cards that offer guaranteed approval. Seeing that there are no connections with any banks or financial institutions, this ensures that there are no credit checks or employment checks for getting approved. All you have to do is fill out an online form. Alternative card -- Horizon Gold Card.

Merit Platinum Card
Intro APR  APR Annual Fee 
N/A* 0.00% * N/A*
Unfortunately, we do not currently offer online application for this card. See similar cards

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: Bad Credit OK*

Card Review

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

Making your shopping experience ever simpler could only be made possible through the Merit Platinum Card. This particular shopping card has been designed for shoppers to use instead of their bank cards.

This ensures more security and convenience. Applying for a platinum shopping card is relatively simple. All you have to do is simple fill out an online application form and you are done. Seeing that this is a shopping card designed to be used only on the merit portal, there is no requirements for getting approved.

Approval is guaranteed. There are no credit checks or any employment checks either. Every new member will be entitled to a credit line of $500 that can be used to purchase any product or service from their website online.
Card rating:
(3.4 out of 5) total 404 votes
Most attractive features: - High unsecured line of credit
- Credit reporting
- Guaranteed approval
- No credit or employment verification
Least attractive features: - Limited use
- Monthly maintenance fee


Other Benefits: *See Terms & Conditions of the card
Online Card Account Access:
100% Guarantee Approval:
Credit Reporting:

Card Finance & Rates

Introductory APR (%): N/A*
Introductory Period: N/A*
Regular APR (%): 0.00%*
APR Type: fixed
Annual Fee: N/A*
Grace Period: None*
Minimum Credit Line: $500*
Late Payment Fee: $20.00*

Balance Transfers

Balance Transfer:

Other Fees

Additional Fees NSF Check Fee: $25.00
Cancellation Fee: None
Late Payment $20.00
Outlet Store Delivery Signature Verification: $2.50
Outlet Store Residential Delivery: $2.00
One time Card Issuance and Account Validation fee: $5.00
Fee for returned checks or debits, second NSF: $25.00
Monthly maintenance fee: $6.00


* The Merit Platinum Merchandise Card credit line can be used exclusively on selected outlets.


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* The information provided for Merit Platinum Card is believed to be accurate at the time of evaluation (Sep 19, 2015). 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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