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Horizon Gold Card


Rated 2/5 stars by our editorial team

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  • Regular Purchase APR N/A
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee See Terms*
  • Credit Needed


  • Card Brand N/A

Card Details


  • Click "APPLY NOW" to apply online
  • Reports to major credit bureau
  • Must have active debit card or credit card to qualify
  • Unsecured credit line
  • No credit checks
  • No employment check
  • Card can only be used for shopping at 

Card Fees

Foreign Transaction Fee N/A

Balance Transfer Fee N/A

Cash Advance Fee N/A

Penalty APR N/A

Ongoing Information

Rewards Rate N/A

Annual Fee See Terms*

Additional Card Details

$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

Expert Reviews

From the Editorial Team

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,

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. 

Expert Reviews of the Horizon Gold Card

  • Regular APR

  • Intro APR

  • 2.0


  • 2.0


  • star rating 2.0/5

    Overall Rating

The Bottom Line

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.

The Good

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.

The Not so Good

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.

Consumer Reviews

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