Freedom Gold Merchandise Card

The Freedom Gold Card is a "merchandise card," also known as a catalog or store card, that provides an unsecured credit line for a specific online retail store called TheHorizonOutlet.com. It is not a standard credit card and is intended for individuals with poor, fair, or bad credit who may not qualify for traditional credit options.

How the Freedom Gold Card works

• Credit limit: The card offers an unsecured $750 credit limit that can only be used for purchases on TheHorizonOutlet.com.


• Instant approval: The application promises instant approval with no credit or employment checks required, making it easy to obtain even with a low credit score.


• Merchandise purchasing: Unlike a conventional Visa or Mastercard, this card is not for general use. It functions solely as a store card for the affiliated catalog.

What to consider before applying

While the Freedom Gold Card can provide access to credit for those with poor credit histories, it has several drawbacks compared to traditional credit cards.

• High fees: Catalog cards like this one can have numerous fees that reduce your initial credit limit.


• Limited use: The card can only be used at TheHorizonOutlet.com, and the merchandise selection may be expensive or limited compared to other retailers.


• Potentially high APR: Some catalog cards come with very high interest rates.


• Minimal credit-building benefit: Although it can help build your credit by reporting to credit bureaus, it is far less effective than other options designed for that purpose, such as secured cards.

Alternatives for building credit

For those looking to build or repair their credit, other options are generally more effective and provide greater long-term financial benefits.

• Secured credit cards: These require a refundable security deposit, which serves as your credit limit. They are designed specifically for credit building and offer greater versatility than a merchandise card.


• Subprime credit cards: These are unsecured cards for people with bad credit. While they may have high interest rates and fees, they can be used anywhere and are more versatile than a store card.