Credit Cards

Merit Platinum Card review: rates, pros and cons

Wondering if the Merit Platinum Card is right for you? Check out our full review and compare this card features to see if it’s worth your time and money!

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Merit Platinum Card: Get 0% APR and a credit limit of up to $5000!

Merit Platinum Card
Read Merit Platinum Card full review! Source: The Insider Advisor

If you’re looking for a solid credit card to help improve your score, the Merit Platinum Card could be a great option.

apply Merit Platinum Card

Apply for the Merit Platinum Card: find out how

Not sure if you qualify to apply for the Merit Platinum Card? Find out how to get the Merit Platinum card and enjoy a 0% APR! Read on!

But is it worth it? Check out the review of this card to find out. You’ll learn about the rates of this card so you can decide if it’s right for you. 

Credit ScoreNo score requirements
Annual Fee$177.24, which will be paid in a $14.77 monthly fee
Regular APR0% APR
Welcome bonusN/A
RewardsN/A

All you need to know about the Merit Platinum Card

This credit card is offered by Horizon Card Services. This is a store card, so you can only use it to make online purchases through the Horizon Outlet.

Moreover, the card accepts applicants with poor credit or no credit at all. Horizon Card Services will review your credit history and other information to determine your eligibility for the card.

In addition to the 0% APR on regular purchases, this card offers a unique feature for its customers! A 7-day period, in which you can use the Merit Platinum Card to make purchases at the Horizon outlet.

And in case you don’t appreciate the card’s functions, you can cancel it and pay only for what you’ve spent.

This card charges a monthly Membership Fee of $14.77, which ends up as a $177.24 annual fee.

When you pay this monthly subscription, you receive access to Horizon Services benefits: 50% discounts on local pharmacies, roadside protection, legal assistance, and more.

Merit Platinum Card details

Merit Platinum Card
See the advantages and disadvantages of the Merit Platinum Card. Source: Freepik

Curious about what else this card has to offer you? Then let’s take a closer look at its advantages and disadvantages.

Advantages

  • Delivers 0% APR on purchases;
  • Accept applicants with bad or no credit;
  • The card offers a 7-day trial period;
  • It comes with membership benefits;
  • Requires no credit or employment checking.

Disadvantages

  • $177.24 annual fee;
  • It does not offer rewards on payments;
  • It can only be used on Horizon Outlet purchases.

What is the credit score necessary to apply?

You can apply for this credit card with poor or no credit; in both cases, applicants have good approval odds. Horizon Card Services will review your credit history and other information to determine your eligibility for the card. And once you’re approved, you can start building your credit!

Learn how to get the Merit Platinum Card

Applying for this credit card is as easy as it seems! So read the following article, and we’ll explain everything you need to know about the application process!

apply Merit Platinum Card

Apply for the Merit Platinum Card: find out how

Not sure if you qualify to apply for the Merit Platinum Card? Find out how to get the Merit Platinum card and enjoy a 0% APR! Read on!

About the author  /  Beatriz Vieira

Beatriz Vieira is a producer and copywriter who is part of the finance writer team in this portal. She has a degree in Journalism and aims to improve her bilingual writing skills. Her subjects of most significant interest are culture, finances, and self-development.

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