Credit Cards (US)

NetFirst Platinum card full review

A credit card that doesn’t check credit or employment so you can apply for it and get instant approval: read the NetFirst Platinum review!

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by Aline Augusto

Published on 12/27/2021

NetFirst Platinum card

Learn more about this card. Source: NetFirst.
Learn more about this card. Source: NetFirst.

Those who have a poor credit history find it difficult to be approved for traditional unsecured credit cards. But Horizon Card Services launched the NetFirst Platinum credit card, so you get instant approval without credit or employment checks.

Also, it offers a $750 unsecured credit line to shop at Horizon Outlet.

As it reports to one major credit bureau, it helps you build your credit score, as well.

Keep reading to learn how it works!

Credit ScoreIt doesnt check credit
Annual Fee$0 (but it charges $14.77 per month as membership fee)
Regular APR0%
Welcome bonusNone
RewardsNone
Net First Platinum credit card fundo cinza

How to apply for a NetFirst Platinum?

NetFirst Platinum is a store card with no credit or employment checks. Learn how to apply for it today!

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How does the NetFirst Platinum credit card work?

This credit card can only be used at the online store Horizon Outlet. This store is perfect for when you need to buy clothing, toys, electronics, beauty products, jewelry, and more. 

Also, it doesn’t require a perfect credit score for the application. So, you can buy your gifts using it while you build your credit score since it reports to Equifax, a major credit bureau.

Moreover, it doesn’t charge APR. And the minimum payment when you purchase something is 10% or $25 of the balance.

Although it doesn’t charge annual fees, it charges monthly membership fees. 

NetFirst Platinum benefits

See what are the benefits of the NetFirst Platinum card. Source: Pixabay.
See what are the benefits of the NetFirst Platinum card. Source: Pixabay.

This card is ideal for those with a poor credit history who want to have an unsecured credit card and need to build a credit score.

Also, it works well for those who want a higher credit line and a lower credit utilization ratio. Even though it offers a $750 initial credit limit, you can increase it up to $3,000.

Although it charges monthly membership fees, it offers some benefits, as follows:

  • Roadside Assistance;
  • My Universal RX, which gives you a discount on prescription drugs;
  • My Privacy Protection, which gives you access to credit reports;
  • And My Legal Assistance, which gives you access to a legal professional for a 30-minute consultation.

On the other hand, there are no rewards or welcome offerings. 

Pros

  • It doesn’t check credit or employment, so you can get an instant approval 
  • It helps you build your credit score, as it reports to one major credit bureau
  • Plus, it offers Roadside Assistance, Universal RX, Privacy Protection, and Legal Assistance
  • It charges 0% APR on purchases
  • It doesn’t require a security deposit
  • And, it allows you to increase credit line
  • It offers a 7-Day free trial

Cons

  • It charges a monthly membership fee
  • It doesn’t offer rewards or welcome bonuses
  • Plus, it only works for shopping at Horizon Outlet

How good does your credit score need to be?

This card doesn’t check credit and employment status, so you don’t need to worry about requiring a perfect credit score for the application.

How to apply for a NetFirst Platinum?

If you like to shop at Horizon, and don’t have enough credit to purchase with a traditional unsecured credit card, a NetFirst Platinum might be an option for you.

Then, learn how to apply for it today and receive your new card right on time for the end of the year!

Net First Platinum credit card fundo cinza

How to apply for a NetFirst Platinum?

NetFirst Platinum is a store card with no credit or employment checks. Learn how to apply for it today!

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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