Credit Cards (US)

Merit Platinum credit card full review

Do you like shopping at Horizon Outlet? And do you need a credit card that does not require a credit history? Well, we’ve just found an option for you: the Merit Platinum credit card. So, stay with us to learn all about it!

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by Aline Augusto

Published on 11/24/2021

The Merit Platinum credit card overview

Check out the full review about this credit card! Source: Merit Platinum.
Check out the full review about this credit card! Source: Merit Platinum.

The Merit Platinum credit card is an unsecured store card that allows you to build credit while shopping at Horizon Outlet.

Therefore, if you are struggling to have your unsecured credit card due to your bad or no credit history, don’t worry; the Merit Platinum card does not require any of that.

As well as it doesn’t require employment check, too.

Thus, keep reading to learn how this card works and its benefits.

Credit ScoreNo credit score required
Annual FeeNone (but it charges $14.95 as a monthly membership fee)
Regular APR0%
Welcome bonusNone
RewardsNone
logo merit platinum

How to apply for Merit Platinum card?

The Merit Platinum credit card allows you to build credit as you shop all you need at Horizon Outlet. See how to apply for it!

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The Merit Platinum credit card main features

Know all about the features of the credit card. Source: Freerange.
Know all about the features of the credit card. Source: Freerange.

Probably the main feature of this store credit card is the credit score requirement, which is none. That’s a good option for people who need to build a credit history.

And as a store card, you only use it at Horizon Outlet, though.

However, Horizon Outlet offers many products in many categories, such as Men & Women Clothing, Home Goods, Toys, Electronics, and more. So, you will shop for something you need on their website, eventually.

In addition, the Merit Platinum card does not charge APR. But it charges a monthly fee valued at $14.95, which amounts to $179.40 annually.

As a store credit card, it doesn’t offer you any rewards, as well.

List of pros and cons of Merit Platinum store card

The Merit Platinum credit card reports to one major Credit Bureau, and that’s how you can manage to build up your credit score by shopping at Horizon Outlet with this card.

Even though there are no APR or annual fee charges, there is a $14.95 monthly membership fee, so keep that in mind before applying for it.

Also, it doesn’t offer rewards, but it offers some perks, like privacy protection on the Horizon Online Portal and legal assistance.

Another good thing about the card is that you can try it for seven days for free before becoming a member. Plus, it gives you a $750 credit line at first.

Pros

  • Helps build up a credit score by reporting to Equifax
  • 0% APR
  • 7-day-free-trial
  • Credit monitoring by Credit Hawk
  • Legal Assistance
  • Privacy Protection

Cons

  • Monthly membership fee
  • No rewards
  • Exclusive usage at Horizon Outlet

Learn how good your credit score must be to apply for it

The Merit Merit Platinum credit card does not require credit history at all. So, you can apply for it even when you have a poor credit score.

Learn how to apply for a Merit Platinum credit card

Are you looking for an unsecured credit card that gives the opportunity of building up credit while shopping at Horizon Outlet? So, check out how to apply for the Merit Platinum credit card.

logo merit platinum

How to apply for Merit Platinum card?

The Merit Platinum credit card allows you to build credit as you shop all you need at Horizon Outlet. See how to apply for it!

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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