Freedom Gold Card
- Annual fee
- None
- Recommended credit
- Fair / Poor / No Credit Required
- Regular purchase APR
- 0%*
At a glance
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.
Our review of the Freedom Gold Card
The Freedom Gold Card, provided by Horizon Card Services, is a catalog card designed for online shopping.
Who Can Benefit from a Merchandise Card?
If you have limited or no credit history but still want to make online purchases, a merchandise card from Horizon Card Services can be a valuable tool. Despite limited options, you can shop thousands of products without needing a credit history or impressive credit score.
No Credit Check or Employment Check Required
The Freedom Gold, like other Horizon products, does not require credit or employment checks for application. The quick and easy process only needs a valid U.S. credit card, debit card, or bank account. There’s no hard inquiry on your credit report, making it accessible to almost anyone.
7-Day Free Trial
Horizon Services offers a unique 7-day trial period for the Freedom Gold. During this time, you can try out the card and make purchases at the Horizon Outlet. If you’re not satisfied, you can cancel and only pay for the goods you’ve purchased.
$750 Line of Credit
The Freedom Gold Card provides a $750 unsecured credit limit for use at the Horizon Outlet. The online store offers a variety of products including clothing, small electronics, home décor, toys, and books. Keep in mind that this closed-loop card is only valid for purchases at the Horizon Outlet.
Horizon Benefits
For an annual subscription fee of $177.24 ($14.77 per month), cardholders receive Horizon Benefits, which include:
- My Privacy Protection for unlimited privacy protection
- My Roadside Protection for up to three service calls or towing requests per year
- Identity IQ for 24/7 credit monitoring
- My Universal RX for up to 50% off at over 55,000 pharmacies
- My Legal Assistance for a free 30-minute consultation with a legal professional
Finerhut Vs. Freedom Gold
A similar option to the Freedom Gold Card is the Fingerhut Card. While both are catalog cards, the Fingerhut FreshStart Card offers an initial credit limit of $125 – $230 with an initial down payment of $30. Freedom Gold offers better credit limits and lower interest payments, making it a valuable option for those with bad credit.
Other Merchandise Cards to Consider
- Group One Platinum
- Boost Platinum
- NetFirst Platinum
Can I use my Freedom Gold card anywhere?
No, the card is only valid at the Horizon Outlet.
How do I cancel Horizon Card Services?
You can cancel online or by calling (800) 251-6144. Ensure to clear any outstanding balance before cancellation.
Are Horizon Card products available in all 50 states?
Yes, Freedom Gold and other Horizon Cards are available nationwide.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- $750 Unsecured Credit Line**
- Instant Approval*
- No Credit Check
- No Employment Check
- Fast Online Application
- Bad Credit - OK
- *See site for details
- **usable only at theHorizonOutlet.com
Who this card may suit
- You have poor or no credit history
- You want a payment card for convenience that will not require a credit check or employment check
- You're looking for additional benefits that come with a card offer, such as roadside and legal assistance
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 0%* |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Fair Credit Poor Credit Limited or No Credit.
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Freedom Gold Card
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