Credit Cards

Application for the Merit Platinum card: how does it work?

Learn how to apply for the Merit Platinum card, perfect for consumers looking to rebuild their credit score. This card offers no interest on purchases, a $750 credit limit, and no credit check.


by Aline Barbosa

03/23/2022 | Updated on 09/14/2022

Merit Platinum Card: the perfect card for building your credit score

Merit Platinum credit cards
See how to apply for this card. Source: The Mad Capitalist.

For people with low or no credit scores, the Merit Platinum card can be a great way to improve their financial situation. This card offers many benefits, including a zero interest rate and no credit checks.


Credit Card

Merit Platinum

Horizon Outlet Bad credit

Store credit card with $750 limit and no credit check.

You will be redirected to another website

Since it’s a store card, you can only shop at Horizon Outlet with it. However, with a credit limit of $750, you’ll have access to thousands of prime-rate items for everyday use.

Signing up for this card is easy, and since it doesn’t require a credit score for approval, it also doesn’t perform any hard inquiries. So, if you want to get this card, check how to apply for one below.

Apply online

person on a laptop
See how to apply online. Source: Adobe Stock.

For an online application, you need to access Merit’s official website and click the “apply now” button. After that, you’ll need to fill in a form with your personal information as well as contact details.

Remember, you need a checking account or a debit/credit card for Horizon Financial Services to approve your request. After providing the company with all the info they need, submit your form and wait for their response. 


Apply using the app

Unfortunately, there isn’t a mobile app available for the Merit Platinum card. The only way you can request a new card is via their website. 


Merit Platinum credit card vs. American Express Platinum credit card

If the Merit Platinum card isn’t for you, maybe you’ll be interested in another Platinum product. Though a lot harder to get, the American Express Platinum Card comes with an array of exclusive perks and benefits.

Check the comparison below and follow the recommended link for the application process. 

Merit Platinum credit cardAmerican Express Platinum credit card
Credit ScoreNot neededExcellent
Annual Fee$177.24 ($14.77 monthly fee) $695
Regular APR0%5.99% – 22.99% (variable)
Welcome bonusN/A100,000 Membership Rewards points after
spending $6000 in the first 6 months of card ownership
RewardsN/A5x points on bookings made through AMEX Travel;
1x points in every purchase
Cartão American Express Platinum

Application for the American Express Platinum card

See how to apply for the American Express Platinum, one of the most popular cards on the market, and start collecting rewards!

About the author

Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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