Focus Gold Card

Our review of the Focus Gold Card

The Focus Gold Card is an exclusive introductory unsecured credit card offered by Horizon Outlet. Horizon Outlet is an online marketplace that offers a variety of products like toys, clothing, and gifts.

Approval Process

One of the key advantages of the Focus Gold Card is that approval does not require a credit check or employment verification. This makes it a great option for individuals who may have difficulty obtaining a traditional credit card. However, applicants must have an active US credit card, debit card, or checking/savings account.

Credit Limit

The Focus Gold Card comes with a spending limit of $500, which is significantly higher than other starter credit cards like the Fingerhut Card. It’s important to note that this card can only be used at the Horizon Outlet, making it a merchandise card account rather than a traditional credit card.

Unique Features

One standout feature of the Focus Gold Card is the 7-day free trial period. During this time, cardholders can make purchases at the Horizon Outlet and if they are unsatisfied, they can cancel their membership and only pay for their purchases.

Benefits

While the Focus Gold Card is not a traditional credit card, it reports to major credit bureaus each month, helping cardholders build a positive credit history. The card also offers perks such as privacy protection, roadside assistance, discounts at pharmacies, legal assistance, and 24/7 credit monitoring through Credit Hawk.

Additional Information

One of the most attractive features of the Focus Gold Card is the lack of a purchase APR, meaning cardholders do not have to worry about additional monthly costs. There is a monthly membership fee of $14.95, which includes access to the benefits plan. Cardholders can cancel their account at any time by contacting Horizon Member Services.

For more details on the benefits and terms of the Focus Gold Card, visit the Horizon website.