- Instant $500 Credit Line*
- No Credit Check
- Fast Online Application
- Bad Credit - OK
- Issued by Horizon Card Services
*See Terms & Conditions for Details
3.5 / 5.0 (364 votes)
Leave your vote!

Information - Rates - Fees

Intro APR:
Intro Period:
Annual Fee:
See Terms*
Card Network:
Card Category:
Consumer (Shopping)
Card Type:
Building Credit
Card for Bad Credit
Instant Credit
Instant Decision
No Credit Check
Shopping Card
Unsecured Card
Credit Needed:
Accepts All*
Grace Period:
Min Credit Line:
Late Payment Fee:

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

Review by

The Horizon Gold offers cardholders a line of credit that can be used to buy merchandise in Horizon's online store. Cardholders have access to different types of merchandise. In order to have the card, there is a monthly fee and there may be fees associated with the purchases in lieu of an APR. There is no APR on this card.

In addition to there being no APR, cardholders are entitled to a number of courtesy programs that are always subject to change. These programs can involve legal advice, prescription savings, roadside assistance, credit report services, and much more. It is ideal for the cardholder to regularly check which programs are available to them each month.

In addition to the courtesy programs, cardholders have access to customer service that is there to help. The Customer Advocacy Department helps customers who may have experienced a problem with the company in some way. They work to resolve it in order to give the best possible customer service experience.

Another convenience is the ability to choose to be electronically billed or billed by paper. Payments must be made on the due date, but the company does not charge a fee until the second NSF. This gives cardholders the opportunity to not be penalized for what could be a simple mistake.


Most attractive:
- Reports to Credit Bureaus
- Unsecured credit
- Instant approval
Least attractive:
- Limited use

Rewards & Benefits

Other Benefits:
- Roadside Protection Service
- Unlimited access to your Credit Report
- Comprehensive Legal Assistance Plan
Online Access:
Credit Reporting:

*The information provided for Horizon Gold Credit Card is believed to be accurate at the time of evaluation (Dec 3, 2020). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

You may also be interested in: