NetFirst Platinum Card Review® Credit Card
The NetFirst Platinum Card is not a traditional credit card but an unsecured merchandise line of credit usable only at the Horizon Outlet online store. It offers easy approval and a $750 starting credit line, but it does not report to credit bureaus, so it won’t help build credit.
Card Details
- Type of Card: Unsecured merchandise credit line (not a Visa/Mastercard). Usable only at Horizon Outlet (www.thehorizonoutlet.com).
- Credit Limit: $750 initial credit line (some users report up to $1,500).
- Interest Rate: 0% APR on purchases – no finance charges.
- Fees: $0 enrollment fee, $0 annual fee, $0 monthly fee, $0 activation fee.
- Minimum Payment: $25 minimum monthly payment, or full balance if under $25.
- Credit Reporting: Does not report to credit bureaus – no effect on credit history.
- Eligibility: Guaranteed approval for U.S. residents 18+ with a valid debit/credit card. No credit check or employment verification.
About The Card
The NetFirst Platinum is marketed like a credit card, but it functions more like a store-specific financing plan. Approval is nearly automatic with no credit check, giving consumers an immediate $750 line of credit to spend on Horizon Outlet merchandise. Purchases carry 0% APR, so you can pay over time without finance charges. However, the account does not report to credit bureaus, meaning it won’t build or repair your credit. It’s essentially a shopping card for Horizon Outlet, offering installment-style payments but very limited use.
Pros
- Easy approval – no credit check, income check, or employment verification.
- No annual fee, no monthly fee, no activation fee.
- 0% APR financing on purchases – no interest charges.
- $750 initial credit line, higher than many similar catalog/store cards.
- Access to Horizon Outlet’s members-only store and optional add-on benefits (roadside, legal, RX discounts).
Cons
- Cannot be used anywhere except Horizon Outlet.
- No credit reporting – payments will not improve your credit score.
- Must pay shipping fees out-of-pocket with another card at checkout.
- Merchandise at Horizon Outlet may be overpriced or limited in selection.
- Past reputation of fees and complaints – only recently made $0 fee.
Is this card for me?
The NetFirst Platinum Card might be suitable if you need guaranteed approval, no upfront costs, and financing for purchases at Horizon Outlet specifically. It provides a $750 line with 0% APR, making it useful if you plan to buy items there and want to pay over time without interest. However, since it does not report to credit bureaus and cannot be used outside Horizon Outlet, it won’t help you build credit or serve general spending needs. For most consumers, a secured credit card that reports to all three bureaus will be a better choice. NetFirst Platinum is best viewed as a niche financing tool for Horizon Outlet shoppers, not as a true credit card.
