Credit Cards

Net First Platinum credit card review: is it legit and worth it?

Getting a $750 credit line to buy things online seems good. But is the Net First Platinum credit card worth it? Let's find out.

Advertisement

Net First Platinum credit card: $750 credit limit to buy at Horizon Outlet

Net First Platinum credit card
Check the Net First Platinum credit card review to see if it’s worth it. Source: The Mad Capitalist.

Have you heard about the Net First Platinum credit card? Maybe you’ve come across this card at some given moment and are looking for more information about it. After all, is this card worth it? Is it really a credit card?

The Net First Platinum is a merchandise store credit card, so you can only use it at a specific website. If you’re thinking about buying new clothes or household items for yourself, your family, or friends and need some extra credit, you can consider getting one for yourself.

But before applying for it, read carefully this review to find out if it’s a good deal for you.

Net First Platinum credit card

How do you get the Net First Platinum card?

If you love online shopping at the Horizon Outlet, learn how to get the Net First Platinum with a $750 credit limit.

Credit ScorePoor/Fair – No credit score is required
Annual Fee$177,24 ($14.77 per month)
Regular APR0%
Welcome bonusNo welcome bonus
RewardsNo rewards

Net First Platinum credit card: is it legit?

Even though we avoid buying unnecessary things, we all need some clothes or other items for our homes. When the holidays arrive, we like to give dear friends and family gifts. But it could be that your regular credit card limit is already committed to other expenses such as grocery, transportation, bills, etc.

This is where store credit cards come in, such as the Net First Platinum credit card. With no credit score or income requirement, you can get a $750 line of credit with 0% APR to use exclusively on the Horizon Outlet website.
Horizon Outlet is an online store with a variety of products exclusively for members with the cards they provide. So you can’t use Net First Platinum at any other store, but you can’t shop at Horizon Outlet without it (or some different Horizon issued card)

However, this card will not give you advantages like a credit card. It is not issued by any credit provider and is not intended to improve your credit score. Also, membership comes at a high cost, higher than many other cards for people with damaged credit scores and even premium travel cards. So, if you have a regular credit card to use for shopping at some other online stores, it will probably be more advantageous for you.

Net First Platinum credit card: should you get one?

woman buying clothes
If you need some extra credit to buy gifts, you can count on the Net First Platinum credit card. Source: Freepik

If you intend to buy at Horizon Outlet you can apply for this card. However, you still need a debit or credit card to be able to shop at their website.

Pros

  • No credit score or annual income is required for the application.
  • Get instantly a $750 credit line to buy at Horizon Outlet.
  • The application process is straightforward.
  • Members get a 50% discount at selected pharmacies.
  • 7 days free trial. If you don’t like it, you will pay only the value of the merchandise you’ve bought, with no fees.

Cons

  • High fees.
  • Net First Platinum is not a credit card issued by any bank, insurance company, or credit service organization.
  • You can only use this card on the Horizon Outlet website.
  • Currently, according to the Terms and Costs Disclosure, Net First Platinum does not report to any credit bureau. That means you are not building up your credit score by using this card. If that’s you’re intention, you should pick another card.
  • The card is exclusively for online purchases, but you can’t pay the shipping and fees with it. You’ll need another credit card to pay for these costs when you’re buying at the Horizon Outlet website.
  • There is a minimum payment of $25 (or 10% of your balance at the end of the month if it is higher than $25). This equals $300 at the end of one year, which is much more than many credit cards in the market.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Credit scores required

Net First Platinum does not require any credit score to get your application. Also, you don’t need proof of employment enrollment or minimum income. You basically just activate your card to use it for online shopping exclusively at the Horizon Outlet website.

Net First Platinum credit card application: how to do it?

If you think the Net First Platinum is a good deal for you, you can apply online. All you need is a debit or credit card and be at least 18 years old. You will undergo an analysis, but your credit score or employment will not be verified. For more details on the application process, check out the next content about this card.

Net First Platinum credit card

How to apply for the Net First Platinum card?

If you love online shopping at the Horizon Outlet, learn how to get the Net First Platinum with a $750 credit limit.

Trending Topics

content

Intro APR: Apply for the Capital One VentureOne Rewards Card

Don't waste time searching for ways to apply for the Capital One VentureOne Rewards Credit Card. Earn unlimited miles on purchases!

Keep Reading
content

Cheap Alaska Airlines flights: Save money on your next trip with our exclusive offers!

Get the best deals on Alaska Airlines cheap flights when you book through these exclusive websites. Read on to find out more!

Keep Reading
content

Application for the Freedom Gold card: how does it work?

Get your Freedom Gold card to buy everything you need from the Horizon Outlet. The application is easy and you can make it right now.

Keep Reading

You may also like

content

Capital One Quicksilver Student Cash Rewards Credit Card review

Earn cash back on every purchase with a low-maintenance card. Keep reading to Capital One Quicksilver Student Cash Rewards Credit Card review.

Keep Reading
content

Qtrade Direct Investing Review: Build Your Wealth

Explore our Qtrade Direct Investing review for exceptional customer service and a user-friendly platform, ideal for smart investing choices.

Keep Reading
content

Applied Bank® Gold Preferred® Secured Visa® Credit Card review

Read our Applied Bank® Gold Preferred® Secured Visa® Credit Card to see how this product can help you get your finances in check!

Keep Reading