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Foreign Transaction Fee N/A
Balance Transfer Fee N/A
Cash Advance Fee N/A
Penalty APR N/A
Rewards Rate N/A
Annual Fee See Terms*
$0 Fraud Liability No
Auto Rental Insurance No
Extended Warranty Program No
Roadside Assistance No
Purchase Protection No
Travel Assistance No
Flight Accident Insurance No
Lost Luggage Reimbursement No
Concierge Service No
The Horizon Gold Card is a pre-paid card that requires no credit or employment check, and it comes with an approval guarantee.* This card was made for those who only want a maximum credit limit of $500.
What’s great about this prepaid card is it’s one of the few prepaid cards that will actually report your account activity to at least one of the major credit bureaus, so you can be confident that you can build credit with this card. Cardmembers can only use this card to make purchases exclusively through the company’s online shopping website, www.shop.thehorizonoutlet.com.
This card does come with certain fees and charges. New cardholders can expect a one-time Account Validation fee of $5, a $25 fee for returned checks, a late payment fee of $20, a $2.50 delivery fee, and processing fees that vary per item purchased. You can avoid paying the monthly maintenance fee of $6 as long as you don’t default on the $24.95 monthly benefit plan that’s auto debited each month.
The Horizon Gold PrePaid reports your credit to one of the major credit bureaus so you can build credit, but you can only make purchases through their designated shopping website. The card also comes with additional protection plans, services, and discounts.
This is a prepaid card you can actually build credit with. The Horizon Gold PrePaid Card reports to at least one of the major credit bureaus.
Like most prepaid cards, there are fees and charges with certain transactions like late fees, NSF fees, processing fees, and a rather high $24.95 monthly benefit plan fee. Additionally, you can only use this card to make purchases exclusively through the company’s website.
Editorial Note: This content is not provided by Horizon. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Horizon.