My Saved Cards
Welcome to My Saved Cards
Save and compare credit cards to find the best fit for you. All you need to do is find cards you like and check the Compare This Card box. When you’re ready to review, click the compare button that appears in this menu.

Horizon Gold Credit Line

Offered by: Horizon Card Services

Horizon Gold Credit Line

  • $500 Merchandise Limit*
  • Guaranteed Approval
  • No Credit Checks
  • Fast Online Application
  • No Employment Check
  • Reports to Major Bureau
  • Always 0.0% APR

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
Typical Low: N/A
Typical High: N/A









Additional Details

Click here for Additional Details

* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate

See Terms*

Annual Fee

See Terms*

Late Fee

See Terms*

Cash Advance Fee

See Terms*

Balance Transfer Fee

See Terms*

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders of This Card

Horizon Gold Credit Line Cardholder Comparison Coming Soon!

We’re working hard to collect and analyze information about typical cardholders. When we have enough data available, you’ll see charts and statistics about this card, right here on Credit Karma. Check back often for updates!

98 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

rosa291(1, 16)

Great service for REBUILDING Credit Helpful to 16 out of 16 people

Horizon gold is not a real credit card it can only be used on their websites and has nothing of intersted. 

Most of the things on the horizon gold outlet can be bought at dollar general.

The good thing about horizon gold is that they do report do transunion my credit went up 40 points and shows as CREDIT CARD 1000 limit

the start up fee is USD 29.95 and USD 24.95 if you call customer service you can get the monthly fee lowered to USD  6.95!! your limit starts at 500 but youcan get it increase to 1000.00 just be calling customer service and speaking to a supervisor.  ive never used the card but i dont mind paying the monthly fee or inactive fee of 6 dollars for a good report.

It is not a scam but it is useless is you want to make purchases. i have two secured cards , horizon gold and one unsecured card with first premier bank.

Credit score 649.

I would recommend this card for those looking to rebuild credit just get your credit limit increased to 1000 and the monthly fee lowered to 6.95 

they report once a month to transunion you can write the other credit agencies after a couple of months to include horizon.

They will spam your email with offers from their partners. (ignore the offers)

Takes 60 seconds to get approved everyone will be approved!!!

rosa291's response was:    

May 09, 2015
using card Helpful to 4 out of 6 people

I just applied for this horizon gold credit line, do i have to wait 2 weeks to get my card so i can use it or is there a temporary number i can use

lunatic0828's response was:    

Jan 08, 2015
This really SUCKS!!! Helpful to 9 out of 11 people

I applied for the card last week, got approved but haven't recieved it yet and  they are charging me 29.95 again. This is NOT RIGHT and as soon as they open up  in the morning I will be cancelling the card.

Dec 25, 2014

leshaboyz4(3, 20)

Get it to boost Credit Score Helpful to 18 out of 21 people

Yes you have to pay a monthly fee, Yes they only report to transuion but Its worth it. I appiled in August and they did not report to transunion until Nov. When they did, my score jumped 25pts ! I have a 500.00 limit and will request a 1000.00 limit soon. I use it for the road side assistance as well. ..over all a good choice if you need a fresh start. 

leshaboyz4's response was:    

Dec 08, 2014
A TOTAL SCAM Helpful to 7 out of 8 people

I opened and went to use it and found out that there are hidden fees that you have to pay for off your debit card at the time you check out of your order IT IS A TOTAL SCAM

Dec 03, 2014

See all 98 Reviews of Horizon Gold Credit Line

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from January 2015 through June 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.