The #1 Rated Source for Credit Card Information
Low Cards

Horizon Gold


Horizon Gold

Recommended For:

cdm-card Fair Credit

Recommended For: Fair Credit

Applying for this card will securely direct you to the issuer's website.

Regular APR
Intro APR:
APR (Purchases):
APR (Cash Advances):
Fees & Details
Annual Fee:
Grace Period:
Late Payment Fee:
Over-The-Limit Fee:
Cash Advance Fee:
Balance Transfer Fee:
Foreign Transaction Fee:
See Terms
EMV Compatible:
Reward Details
Points per Dollar:
Additional Points:
Point Details:
Yearly Limit:

More about the Horizon Gold

  • Instant $500 Credit Line*
  • No Credit Check
  • Fast Online Application
  • Bad Credit – OK

*See Terms & Conditions for Details

Our fast and easy application could be just what you need. A $500 credit line could be available to you faster than you ever thought possible.

Reviewing The Horizon Gold Card

Consumers who may be considering this card need to fully understand the card’s limitations, and dig into the rates and fees of the card in order to make an informed decision.

Some Facts About The Horizon Gold Card

This card can only be used at the Horizon Outlet online store, and nowhere else. Once you are approved for the card, you must pay $24.95 each month to be part of the Horizon Gold Services Membership. This gives you the opportunity to shop at the Horizon Outlet online store, a discount store which offers a wide variety of merchandise. You will also be charged a one-time activation and card issuance fee of $5.

Main Benefits Of The Horizon Gold Card

You will receive a $500 line of credit upon being approved for the card. There is no credit check needed to be approved for this card. You will not be charged any interest on your purchases. The $24.95 monthly services membership fee makes you part of several plans: their Universal RX Prescription Discount Plan, where you can receive up to 40% off covered medications at participating pharmacies; a legal assistance plan, where you receive one free telephone or office consultation with a network attorney; and a roadside assistance plan, where you may be covered for up to $50 per call (a maximum of three calls per year) if you run out of gas, are locked out of your car, or have a flat tire.

Main Drawbacks Of The Horizon Gold Card

The card can only be used at the Horizon Outlet online store so unless you are an avid shopper at that store, the card will be of very little benefit. Once you order merchandise from that store, you must pay shipping fees, a $2 delivery fee and another $2.50 fee charged to verify your signature upon delivery. The monthly services membership fee of $24.95 adds up to nearly $300 per year.

Who The Horizon Gold Card Is Good For?

Only people that are avid shoppers on the Horizon Outlet online store and are willing to pay nearly $300 per year for that opportunity should consider this card.

Other Cards To Consider

Rather than paying nearly $300 in fees to an issuer each year, consumers with poor or limited credit may want to consider a secured card. With any secured card, you will have to put down a security deposit, but that will be refunded to you once you close your account and pay off your entire balance. A number of secured cards report your account activity to all three major credit bureaus, so proper use of those cards will help build your credit profile over time. Some secured cards to consider are the Capital One Secured Mastercard or the Citi Secured Mastercard, both of which have no annual fee.


To apply for the Horizon Gold, click below to be redirected to the secure application.


Frequent Contributor to: is an independent, for-profit website. participates in a paid affiliate network and receives compensation from most of the credit card issuers whose offers appear on the site. This compensation helps support our website and enables us to write insightful articles to help you manage your credit card accounts. This compensation, as well as the likelihood of applicants’ credit approval and our own proprietary website guidelines, may impact how and where the cards appear on our site. does not include all credit card companies or every available credit card offer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Every reasonable effort has been made to maintain accurate information, however credit card offers change frequently. After you click on an offer you will be directed to the credit card issuer’s secure web site where you can review the terms and conditions for your offer.

In some cases, LowCards has partnered with CardRatings for our coverage of credit card products. LowCards and CardRatings may receive a commission from card issuers.