Credit Cards

Merit Platinum Card review

The Merit Platinum Card provides people with a bad score what most companies don’t: an unsecured credit line and purchasing power for goods and products. Read our full review to learn how this card can help you.

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Merit Platinum Card: Get a $750 unsecured credit line to shop at Horizon Outlet!

merit platinum card
Learn how to take advantage of the Merit Platinum Card. Source: The Post New.

In this Merit Platinum Card review, we’ll look over the features of a product that allows you to do just that – regardless of your current rating.

If you’re struggling with bad credit, you know how hard it is to get your hands on a card and restore your purchasing power.

merit platinum card

How to get your Merit Platinum card

The Merit Platinum Card application process is simple and you can do it online in just a few minutes. Read on to learn how to do it!

With the Merit Platinum Card, you’ll get an unsecured $750 credit line to shop at the Horizon Outlet online store.

With a wide range of products, you’ll be able to purchase anything you want at the store. And what’s best, you won’t have to worry about any APR charges. 

  • Credit Score: You can get a Merit Platinum Card regardless of your score.
  • APR: There’s no APR on the Merit Platinum.
  • Annual Fee: There’s a monthly fee of $14.77 ($177.24 per year).
  • Fees: There are no other fees attached to the Merit Platinum Card.
  • Welcome bonus: No current offer.
  • Rewards: You’ll have access to benefits such as roadside protection, credit report monitoring, legal assistance, identity theft insurance and a prescription discount plan.

While the card doesn’t report monthly payments to the main credit bureaus, it can help you in other ways.

For one, it’ll give you a better understanding of money management. Two, you’ll regain your purchasing power. And finally, you’ll have access to other benefits.

The Merit Platinum Card offers credit report monitoring, identity theft protection, roadside assistance and much more. All for a small monthly fee of $14.77 and no activation fee. 

So if you’re tired of being denied access to credit, keep reading our Merit Platinum Card review to learn more about this card. You’ll see how beneficial it can be to have it on your wallet. 

Merit Platinum Card: how does it work?

The Merit Platinum Card is issued by Horizon Card Services and has a pretty simple structure to it.

With it, you’ll get an unsecured $750 credit line to shop exclusively at the Horizon Outlet online store. There’s a $14.77 monthly fee and no APR charges. 

You can also enroll for a 7-day risk-free trial with no strings attached. The downside is that you need to link another credit or debit card to your Merit account.

That is because you cannot pay for the monthly or shipping product fees with this card. 

While there’s no credit bureau reporting, the card does have some interesting features.

You can get access to credit score monitoring 24/7 and up to $1,000,000 in identity theft insurance. 

The Merit Platinum Card also offers other benefits such as legal assistance, roadside assistance and a prescription discount plan.

You can also pay your monthly minimum balance at 10% or $25, but the products you’ve purchased will only ship when paid in full. 

Significant benefits and disadvantages you may find

person online shopping with merit platinum card
You can make purchases at the Horizon Outlet website using this store card. Source: Canva.

Next in our Merit Platinum Card review, we’ll cover the pros and cons of having this card.

That way you can make an informed decision as to whether or not this card is really beneficial to you. 

Benefits

  • You can apply for a Merit Platinum regardless of your credit score;
  • Unsecured credit line of $750 for online purchases at the Horizon Outlet;
  • No APR charges;
  • Access to other benefits such as credit monitoring and identity theft;
  • The possibility of regaining your purchasing power even with bad credit.

Disadvantages

  • It charges a monthly fee;
  • The Merit Platinum does not report monthly payments to credit bureaus;
  • You can only use it at the Horizon Outlet online store.

Is a good credit score required for applicants?

You can request a Merit Platinum Card regardless of where your current score stands.

All you need to do is be over the age of 18 and have a valid U.S. checking or savings account and a credit or debit card to your name. 

Learn how to apply and get a Merit Platinum Card

If this Merit Platinum Card review sparked your interest in applying for the card, we can help.

Follow the link below for more details about the process. You can easily request the card online within a few minutes.

merit platinum card

How to get your Merit Platinum card

The Merit Platinum Card application process is simple and you can do it online in just a few minutes. Read on to learn how to do it!

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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