Great, I've just found the perfect credit card for you! The Merit Platinum Card is a good option for people with no credit history.

Merit Platinum Credit Card, qualify and pay no APR!

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WIth the Merit Platinum Credit Card, you can get a GOOD credit limit and qualify even with no credit score or a low score! Moreover, you don’t have to pay any APR fees and you’ll find many exclusive membership benefits, such as a 50% discount at eligible pharmacies!

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The Merit Platinum Card is a store credit card designed for people with no credit history who want to make online purchases at the Horizon Outlet. The card offers a 0% APR on purchases, a 7-day trial period, and membership benefits such as 50% discounts at local pharmacies, roadside protection, and legal assistance. See the main perks of the Merit Platinum Credit Card!

Get 7-day trial period;
Apply with no credit or employment check;
Enjoy exclusive membership benefits;
Simple and quick application process.

You will remain in the same website

What are the key features of the card?

  • 0% APR on purchases: All your purchases at the Horizon Outlet will have a 0% interest rate.
  • GREAT credit limit: The Merit Platinum Card limit is determined by Horizon Services based on your credit history, income, and other information. The typical starting limit is $5,000, but it may be higher or lower.
  • 7-day trial period: Try out the card for a week before committing. If you’re not satisfied, you can cancel it and only pay for what you spent during the trial period.
  • Membership benefits: By paying the monthly fee, you gain access to Horizon Services benefits such as 50% discounts at local pharmacies, roadside protection, legal assistance, and more.
  • No credit or employment check: Approval is based on alternative factors, making it easier for individuals with credit challenges to get approved.

What are the downsides of the card?

  • $177.24 annual fee: This monthly fee can add up to a significant annual cost.
  • No rewards program: You won’t earn any cash back or points on your purchases.
  • Limited usage: The card can only be used for purchases at the Horizon Outlet.
apply Merit Platinum Card

The Merit Platinum Card: find out more

Not sure if you qualify to apply for the Merit Platinum Card? Find out how to get the Merit Platinum card with no credit and enjoy a 0% APR! Read on!

The Merit Platinum Card is a store card offered by Horizon Card Services. It’s designed for people with poor credit or no credit history who want to make online purchases at the Horizon Outlet.

This card is best for people with poor credit or no credit history who want to make purchases at the Horizon Outlet and are willing to pay the annual fee for access to the Horizon Services benefits. If you don’t plan to shop at the Horizon Outlet regularly or are looking for a card with rewards or lower fees, another option might be a better fit.

The late payment fee for the Merit Platinum Card is $35.

The Merit Platinum Card does not charge foreign transaction fees.

The Merit Platinum Card accepts applicants with poor credit or no credit history. Horizon Card Services will review your credit history and other information to determine your eligibility for the card.

You can apply for the Merit Platinum Card online or by calling Horizon Card Services.

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