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Horizon Gold Credit Card

apply online
Card Category
Minimum Credit
Level Needed

Bad Credit
You can apply if: you have late payments or maxed out credit balance; you have more than one foreclosure, repossession, defaulted on a loan more than once or have a recently discharged bankruptcy; you have been declined for a credit card in the last three months.

Card Type
Unsecured Store Card
Card Rating evaluates each card offered on the site using several criteria (e.g., interest rates, fees, benefits, rewards programs) in order to help you choose a card. This rating reflects's opinions, beliefs and experiences with credit card products presented and reviewed on this website. This rating is not influenced by payment considerations.
Intro APR on Purchases (Intro Period)
Intro APR on Balance Transfer (Intro Period)
Ongoing APR (Purchases)
Ongoing APR (Balance Transfers)
Ongoing APR (Cash Advances)
Available Rewards
No Rewards Program
Card Description
• Must have Active Debit Card or Credit Card to qualify.
• $500 Credit Limit.
• No Credit Check.
• No Employment Check.
• Reports to a Major Credit Bureau.
• Fast Online Application.
• Bad Credit accepted.
Annual Fee
Application Processing Fee
See Terms
Balance Transfer Fees
Cash Advance Fees
Foreign Transaction Fees
Late Payment Fee

The Horizon Gold Credit Card: $500 Credit Limit, No Credit Check Required

The Horizon Gold Credit Card offers people with no credit, limited credit or poor credit a guaranteed $500 line of credit and a way to improve their credit scores – without a credit check. Approval is virtually guaranteed. If an unsecured credit card with no credit check is something you are interested in, there are a few things you should know about this card before you apply. The most important one is that the Horizon Gold Card only allows customers to buy items from their online catalog, The Horizon Outlet. There are also some potentially hefty fees with this card. However, the Horizon Gold Card does report to a credit bureau as an unsecured line of credit – so people looking for a way to rebuild credit should read on.

Who can get it: Any legal United States resident age 18 or older is eligible to be instantly approved for this card. Applicants must have a valid Social Security number and fill out the application accurately and completely, and they must also have an active debit or credit card account in their own name at the time of application.

Why you want it: If you have bad credit and are having a hard time being approved for an unsecured line of credit to help boost your credit score, this card was designed for you.

What you can get with it: This card is only good for use at the Horizon Outlet. This online merchant features a variety of goods, from clothing to appliances and more. They offer the following shopping categories:

  • Women: Apparel, accessories, jewelry, beauty and footwear
  • Men: Apparel, accessories, footwear
  • Kids/Baby: Apparel, accessories and footwear for boys and girls
  • Entertainment: DVDs, video games, books, sporting goods, electronics, games
  • Home: Bedroom, bathroom, kitchen, décor, luggage, auto and tools
  • Toys: Games, stuffed animals, Legos, dolls, learning toys and more
  • Seasonal: Everything you need from Halloween to Valentine’s Day
Fees and charges to consider: This card carries a monthly processing fee of $6 per month, plus a See Terms account activation fee. That means you’ll pay about $11 up front to begin using the card, plus more each month. If you use the card, the $6 monthly account fee is waived, but you will pay extra shipping and handling fees. However, this card does have a 0.00% APR on purchases, so if you carry a balance, you won’t pay interest in addition to the monthly fee.
What is The Horizon Gold Card?
Where can I use my Horizon Gold Card?
What are the benefits of having a Horizon Gold Card?
What will my credit limit be with my new Horizon Gold Card?
What is the APR for the Horizon Gold Card?
Will the Horizon Gold Card report to credit bureaus and help me rebuild my credit?
What kind of things can I buy with the Horizon Gold Card?
What fees does the Horizon Gold Card charge?
Why is there a monthly fee for the Horizon Gold Card?
Does the Horizon Gold Card have a rewards program or does it offer any services?
What do I need to apply for a Horizon Gold Card?
How do I contact Horizon if I have questions about my credit card account?

Reasonable efforts are made to maintain accurate information. However, the information on the cards' rates and terms is presented without warranty. When you click on the "apply online" link you will have an opportunity to review the credit card terms and conditions on the credit card issuer's web site.

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