Merit Platinum credit card review: is it worth it?

If you're looking for a way to rebuild your credit, the Merit Platinum card from Horizon Financial Services might fit the bill. Read our review to learn more about this card and how it can help you establish or improve your credit score.


by Aline Barbosa

03/23/2022 | Updated on 08/02/2022

Merit Platinum credit card: A credit limit of $750 to get you started

Horizon Outlet logo
Merit Platinum credit card review. Source: The Mad Capitalist.

If you have a low or no credit score, it can be challenging to find a credit card that offers you the chance to rebuild your credit history. But the Merit Platinum credit card is designed specifically for people in this situation, and it could help you improve your rate over time.

Merit Platinum credit card

How do you get the Merit Platinum card?

See how to apply for a Merit Platinum credit card and start rebuilding your credit score today!

With a credit limit of $750, this product performs no employment or credit checks. You can only purchase items available at Horizon Outlet stores, but all payments report to Equifax – one of the major credit bureaus. 

So if you’re ready to take the first step towards improving your credit score, let the Merit Platinum credit card be your guide. Read on for more information about its main features!

Credit ScoreNot needed
Annual Fee$177.24 ($14.77 monthly fee)
Regular APR0%
Welcome bonusN/A

Merit Platinum credit card

The Merit Platinum card is offered by Horizon Financial Services and works as a basic store card. That means you can’t make any purchases outside the establishment responsible for its emission. In this case, it’s the Horizon Outlet stores.

The best feature about this credit card is that it makes no credit or employment check, and you don’t have to worry about having a bad credit history. Its application process is quick, and acceptance is almost immediate.

The only thing Horizon does require is a checking account or a credit/debit card to your name. 

There are no interest rates on purchases, and the credit limit is $750. You even get a free 7-day trial, and if you don’t like the card, you can return it and only pay for the items you bought. 

This card has a monthly subscription of $14.77 that provides privacy protection, roadside protection, credit monitoring, and more. It reports all payments to Equifax so that you can build or rebuild your credit in no time!


Merit Platinum credit card: should you get one?

woman and a credit score background
See this card’s pros and cons. Source: Adobe Stock.

If you’re a frequent shopper at Horizon Outlet and want a store card without a credit check, this card is the best choice for you. It also helps those with bad or no credit history reach a healthier financial future.

However, failing to honor its payments might damage your score even further. Nevertheless, check its main perks and drawbacks below:



  • Accepts all kinds of credit scores;
  • $750 credit limit;
  • Reports to one of the major credit bureaus;
  • Great for building a credit score.


  • Charges a $14.77 monthly fee;
  • Only for purchases at Horizon Outlet.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Credit score required

The primary benefit to this card is that it doesn’t require a credit score at all. Therefore, anyone is welcome to apply for it. 

Merit Platinum credit card application: how to do?

If you’re looking for a store credit card with an easy and fast application, the Merit Platinum credit card is the one for you. Follow the link below to learn how to apply and start building your credit score right away!

Merit Platinum credit card

How do you get the Merit Platinum card?

See how to apply for a Merit Platinum credit card and start rebuilding your credit score today!

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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