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
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.
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 Score | Poor/Fair – No credit score is required |
Annual Fee | $177,24 ($14.77 per month) |
Regular APR | 0% |
Welcome bonus | No welcome bonus |
Rewards | No 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.
You will be redirected to another website
By submitting this form, I agree that I am 18+ years old and I agree to the Privacy Policy and Terms and Conditions. I also provide my signature giving express consent to receive marketing communications via automated emails, SMS or MMS text messages and other forms of communication regarding financial products such as credit card and loans. Message frequency varies and represents our good faith effort to reach you regarding your inquiry. Message and data rates may apply. Text HELP for help or text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and I may revoke my consent at any time.
Net First Platinum credit card: should you get one?
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.
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.
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.
About the author / Julia Bermudez
Trending Topics
RBC Bank Review: Exceptional Customer Care
Explore our RBC Bank Review for an insightful look into their services, fees, and customer experiences, guiding your banking decisions.
Keep ReadingApply for the Capital One Guaranteed Mastercard® Card
Learn how to easily apply for the Capital One Guaranteed Mastercard® Card and start enjoying its numerous benefits and features!
Keep ReadingLearn to apply easily for the OppLoans Personal Loan
Use our simple 3-step guide to apply for the OppLoans Personal Loan. Borrow up to $4,000 and use it for several purposes! Read on!
Keep ReadingYou may also like
Checklist for moving out of state: your definitive guide
Are you packing up and relocating to another state? Check off all the to-dos with this moving out of state checklist.
Keep ReadingStudent credit cards for no credit: top 4 options
Don't have a credit history? Check out our list of the best student credit cards for no credit, and start building your credit today.
Keep ReadingHow to start investing with Ally Invest?
In this step-by-step guide, we are going to show you how to apply for an Ally Invest account and start investing as soon as possible.
Keep Reading