Learn how to apply for the Freedom Gold card

Interested in the Freedom Gold Card? Here’s What You Need to Know

If you’re considering the Freedom Gold Card, you’re in the right place. The Freedom Gold Card is a catalog credit card provided by Horizon Card Financial Services. It offers an appealing feature – there is no interest applied to transactions made with the card. Additionally, the initial credit limit on the card is $750. But that’s not all, you also get free credit ratings, access to no-cost legal counsel, and savings on prescription drugs. The best part? You don’t need to go through employment or credit checks. As long as you have a debit card, your application will be accepted.

While the Freedom Gold Card offers great benefits, it is important to note that it can only be used at the Horizon Outlet. On the other hand, secured credit cards can be used wherever the card’s payment network is accepted. The Horizon Outlet offers various products, including electronics, clothing, jewelry, home goods, cosmetics, and apparel. Visit the Horizon Outlet website to explore their products.

Although the Freedom Gold Card has this limitation, it can still be a great option for those looking to improve their credit score. Even though it doesn’t function like a traditional credit card, it provides an opportunity for individuals willing to make the effort to rebuild their credit without the upfront expenses of a secured card.

When making a purchase from the Horizon Outlet website, you have two payment options: full payment or carrying a debt. The good news is that the APR is 0%, so you won’t have to pay interest on any of your transactions if you choose to carry a balance. It’s like having a store card with a buy-now, pay-later option.

If you think the Freedom Gold Card is the right fit for you, keep reading to find out more.

Who Can Apply for the Freedom Gold Card?

Applying for the Freedom Gold Card is quick and easy. Unlike many other credit cards, there are no employment or credit checks required to apply. To be eligible for the card, you need to have a legal and active U.S. credit card, debit card, checking account, or savings account. That’s it! With no hard inquiries on your credit report during the application process, practically everyone is qualified to apply.

How to Apply for the Freedom Gold Card?

Applying for the Freedom Gold Card can be done online through their website. Simply enter your email address on their homepage to start the application process. You will then be redirected to another page where you can complete the application. For those with a debit card, the approval process will be instant.

Is the Freedom Gold Card Worth It?

While the Freedom Gold Card can only be used at the Horizon Outlet website, it offers instant credit for online shopping. The Horizon Outlet provides a wide range of products that you may need on a regular basis. Although the Freedom Gold Card does not report to credit bureaus, it can still help you rebuild your credit score.

If these characteristics align with what you’re looking for in a card, or if you enjoy online shopping, the Freedom Gold Card might be the perfect fit for you.

Freedom Gold vs PCB Visa Secured

Both the Freedom Gold Card and the PCB Visa Secured card are great options for rebuilding your credit score. However, they work in very different ways and use different strategies. The Freedom Gold Card provides a $750 unsecured credit limit that can only be used at the Horizon Outlet Store. On the other hand, the PCB Visa Secured card offers initially secured credit and reports to the three major credit bureaus in the country. A key factor in choosing between the two options is considering how and where you plan to use your card.

Freedom Gold Card Pros:

• Maximum unsecured credit limit of $750 (usable only at TheHorizonOutlet.com)
• Instant acceptance with no credit check
• No employment check required
• Acceptable for individuals with bad credit

PCB Secured Visa Credit Card Pros:

• Reports to the three credit bureaus
• Regular APR
• Requires a $1,000 security deposit, which can help you maintain reasonable credit utilization

How to Apply for a PCB Secured Visa Credit Card

If you’re interested in the PCB Secured Visa credit card, you can check it out on their website.

Written by

Claire Harrison