BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Fair / Poor / No Credit Required
None Processing Network None Annual FeeFreedom Gold Card
The Freedom Gold Card is a catalog and retail card from Horizon Card Financial Services. This card features a 0% APR, a credit limit of $750*, roadside assistance, discounts on prescription meds, and no credit or employment checks.
Freedom Gold Card
Save Card Action Card selected track loadThe Freedom Gold Card is a catalog card from Horizon Card Services. The card is a closed-loop card designed to help consumers shop at an online outlet.
If you have limited or no credit history but still want the ability to make online purchases, a merchandise card from Horizon Card Services can be a valuable tool. Although your choices may be limited, you will nevertheless have the power to shop thousands of products without the need for a credit history or an impressive credit score.
The Freedom Gold is like other Horizon products, requiring no credit checks or employment checks to apply. Freedom has a quick and easy application process only requires a valid and active U.S. credit card, debit card, checking, or savings bank account. No hard inquiry on an applicant’s credit report means almost anyone is eligible.
One of Horizon Services’ unique features is offering a 7-day trial period. New try out the Freedom Gold and make purchases at the Horizon Outlet during this period. If they don’t like the experience, they can cancel – and only have to pay the value of the goods they purchase.
The Freedom Gold Card has a $750 unsecured credit limit* for use at the Horizon Outlet. The Horizon Outlet is an online store that offers a wide spread of items, including:
Keep in mind that the Freedom GoldCard is a closed-loop card. This distinction means the card only works for purchases at the Horizon Outlet. The Freedom Gold Card cannot be used at other stores, pumping gas, or purchases.
The Freedom GoldCard features an annual subscription fee of $177.24, which translates to $14.77 per month. This fee entitles cardholders to Horizon Benefits, which include:
| Horizon Benefits | ||
|---|---|---|
| My Privacy Protection | Users receive access to unlimited privacy protection when using their card within Horizon’s online portal. | |
| My Roadside Protection | Members have access to up to three service calls or towing requests per year (up to 15 miles, and not to exceed the operator cost of $50) free of charge. | |
| Identity IQ | Cardholders receive 24/7 credit monitoring access through Identity IQ. | |
| My Universal RX | Members receive up to 50% off at over 55,000 pharmacies nationwide. Check www.memberbenefitaccess.com or call Member Services for selected medications and changes | |
| My Legal Assistance | Cardholders receive one free 30-minute consultation with a specialized legal professional in your area (excluding criminal defense). | |
The Freedom Gold Card is similar to other card offers for bad credit. Another popular option is the Fingerhut Card. Like the Freedom Gold, the Fingerhut is not a Mastercard or Visa, but rather a catalog card.
The Fingerhut FreshStart Card account offers an initial credit limit of $125 – $230 and requires an initial down payment of $30. For that initial deposit, cardholders enjoy access to an online catalog, the Fingerhut catalog (new for 2020), which is much like the Horizon Outlet. Fingerhut credit protections are similar to Freedom Gold and Horizon Card security and protection.
The Freedom Gold Card offers better credit limits and lower interest payments than the Fingerhut from WebBank. While the Fingerhut Card has lower fees, the Freedom Gold might offer better value for those with bad credit who struggle to get credit cards.
| Group One Platinum | NetFirst Platinum | Freedom Gold |
