| Last updated on March 6th, 2024
BOOST Platinum Card
BOOST Platinum Card
BOOST Platinum Card
- 0% Regular Purchase APR
At a Glance
The BOOST Platinum Card is a basic store card offer from Horizon Financial Services. The BOOST Card is perfect for consumers seeking to make purchases without a credit card. This card features a no interest on purchases, a credit limit of $750*, and no credit check.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Bad Credit, No Credit? No Problem
- $750 Unsecured Credit Line*
- Fast and Easy Application
- No Employment or Credit Check
- *usable only at theHorizonOutlet.com
- Regular Purchase APR: 0%
- You have poor credit or no credit history at all
- You want a store card without a credit or employment check
- You want additional perks, like credit monitoring or roadside and legal assistance
In-Depth Review: BOOST Platinum Card
The BOOST Platinum Card is a merchandise card from Horizon Card Services. Unlike a traditional credit card that can be used wherever the payment network (Visa, Mastercard) is, BOOST only works at the Horizon Outlet, an online shopping portal.
Is Boost Platinum Card Legit?
First and foremost, yes, the BOOST Platinum Card is totally legitimate. Still, it’s easy to understand why the question is asked. After all, BOOST offers the allure of an unsecured line of credit to $750, with no credit checks or employment verification for bad or no credit. Â
Who Can Benefit from a Merchandise Card?
If you have limited or no credit history and still want a way to make purchases with a payment card, a merchandise card from Horizon Card Services can be a valuable tool.
How to Get the Card
No Credit Check or Employment Check Required
As mentioned, the BOOST Card offers successful applicants a merchandise credit line for use at the Horizon Outlet. However, the lack of hard inquiries when applying makes the card such a popular choice for credit builders. Horizon does not require a credit check to apply or conduct an employment check. However, Horizon requires an active U.S. credit card, debit card, or checking or savings account.
How to Activate
Once you receive your new BOOST Platinum Card, you’ll need to activate it. Fortunately, this is a straightforward process, either online or via phone:
- Call Horizon Card Services at 1-800-251-6144
- Provide the customer service agent with your name, date of birth, full billing address, and other relevant information to access the account.
- Provide card details (number, CVV)
7-Day Free Trial
One of Horizon Services’ unique features is offering a 7-day trial period. Enjoy a full week trying out the card, making purchases at the Horizon Outlet, and getting a feel for the account during this period. If you don’t like it, you can easily cancel – and only have to pay the value of the goods purchased.
$750 Line of Credit*
The BOOST Platinum Card has a $750 unsecured credit limit* for use at the Horizon Outlet. The Horizon Outlet is an online store that offers a wide spread of items, including:
- Clothing
- Small electronics and appliances
- Home décor
- Toys and books
BOOST Platinum only works for purchases at the Horizon Outlet. The Horizon Outlet is an online store with many products, including toys, clothing, and gifts. Customers note the excellent quality of Horizon Outlet items, and many praise the card’s customer service (though others have some issues).
Horizon Benefits
The BOOST Card features a monthly subscription fee of $14.77. This monthly charge is the equivalent of a $177.24 annual fee. The membership fee auto-debits monthly and shows on bank statements as BOOST Platinum Merchandise Card Services. Cardholders can cancel their BOOST account anytime by calling Horizon Member Services at 1-800-251-6144.
This monthly fee entitles BOOST cardholders to Horizon Benefits, which include:
| Horizon Benefits | ||
|---|---|---|
| My Privacy Protection | Users receive access to unlimited privacy protection when using their card within Horizon’s online portal. | |
| My Roadside Protection | Members have access to up to three service calls or towing requests per year (up to 15 miles, and not to exceed the operator cost of $50) free of charge. | |
| Identity IQ | Cardholders receive 24/7 credit monitoring access through Identity IQ. | |
| My Universal RX | Members receive up to 50% off at over 55,000 pharmacies nationwide. Check www.memberbenefitaccess.com or call Member Services for selected medications and changes | |
| My Legal Assistance | Cardholders receive one free 30-minute consultation with a specialized legal professional in your area (excluding criminal defense). | |
Comparison
| BOOST Platinum | Buy On Trust | Fingerhut | |
|---|---|---|---|
| Credit needed | Bad Credit, No Credit? No Problem | All credit scores welcome | Bad credit welcome |
| Credit check | No | No | No |
| Credit line | $750, unsecured | Up to $5,000 approval | $300 (to start) |
| APR | 0% | 0% | 29.99% fixed |
| Store features | Household, clothing, appliances, toys, clothing, gifts, & more | All the big brand-name laptops, TVs, and more from Best Buy | Digital catalog of electronics, household, kids toys, gifts, and more |
Other Merchandise Cards to Consider
FAQs
No. The card only works at the Horizon Outlet.
- You can cancel your Horizon Card Services credit card online from your account or by calling (800) 251-6144. Just make sure to pay down any outstanding balance you might have on the card first.
- Horizon Card Services and the various Horizon cards are currently available in all 50 U.S. states plus the District of Columbia.
Horizon Card Services Ratings
How does the BOOST Card from Horizon stack up? Here is a selection of expert reviews for the card:
| BestCards | Better Business Bureau | TrustPilot |
|
3.5/5 |
N/A | N/A |
Should You Apply for the BOOST Platinum Card?
Overall, the BOOST Platinum Card is an excellent option for anyone seeking to shop online without the burdens of having to qualify for a credit card. Although it does not function like a traditional credit card, it does provide the purchasing power users need – in addition to a credit line at the Horizon Outlet.
There are no credit checks or employment checks, meaning you will not see a hard inquiry hit your credit report after applying. Remember, even with secured credit cards, there is no guarantee of approval – so if you’re struggling with your credit, the BOOST Platinum Card may be a wise alternative. Â
*Usable only at theHorizonOutlet.com
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