The Horizon Gold Card is meant for individuals with tarnished and low credit with the hope of improving/further building the credit history/credit utilization with no credit check, no employment check. Considering because this card reports your information to all three credit bureaus… It’s certain that you’ll be able to improve your credit WITH responsible usage of course. That means on-time payments and utilization of only 10-15% of your credit line is a necessity! Now here are some things to look out for with this card:
This card can be an utter mistake for those looking for an affordable credit rebuilder… with a hefty $24.95 a month for Gold “Membership and Benefits” and a One-Time Card issuance fee, account validation fee, monthly maintenance fees of $6 and much more. On top of that, you will only be able to use this card on products from their Horizon Outlet Online Stores.
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Recommended Secured Credit Cards:
- First Progress Platinum Select MasterCard® Secured Credit Card
- Citi® Secured MasterCard®
- Capital One® Secured MasterCard®
- Fifth Third Secured Mastercard
- USAA Secured Platinum American Express® Card / USAA Secured Platinum MasterCard®
Recommended Credit Cards:
This section is for cards recommended after you have the adequate credit score established:
- Chase Freedom UnlimitedSM
- Costco Anywhere Visa® Card by Citi
- Blue Cash Everyday® Card from American Express
Horizon Gold Card Summary:
- Apply Now
- Best Feature: Build or Rebuild Your Credit History
- Monthly Fee & Gold Membership: $24.99 a month automatically attached for Gold Membership. $6 Monthly maintenance fee.
- Expiration Date: None
- Additional Advice: PAY off all your balances each month.
Horizon Gold Card Features:
- $500 Limit
- Easy Terms*
- No Credit Check
- No Employment Check
- Reports to Major Bureau
- Fast Online Application
Horizon Gold Card Pros:
- Easy Approval
Horizon Gold Card Cons:
- Hefty fees
- Limited to only shopping at Horizon’s Outlet store.
Conclusion:
This card can be quite alluring for those with bad credit with an offered $500 initial limit, easy terms and approval, no credit check or employment check, etc. However, the Horizon Gold Card may be quite limiting for those looking to shop outside of Horizon’s Outlet catalogs and given how expensive this card can get… There may be other options for you; Like the First Progress Platinum Select MasterCard® Secured Credit Card, or Citi® Secured MasterCard®. Don’t forget to check out our complete list of Credit Card Promotions today!
