Choice Gold Card is no longer offering their card. Here are some better alternatives instead.
Boost Platinum
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Boost Platinum is a like for like alternative for Choice Gold Card offered by Horizon Card Services. It has no monthly fee at all. However, like Choice Gold Card, Boost Platinum does not report to any credit bureaus.
- $0 Monthly Fee vs $19.95 for Choice Gold Card
- Credit Limit of $750 vs $1,000 for Choice Gold Card
- Can be used at www.thehorizonoutlet.com
- No credit, income or employment checks
Sezzle
Sezzle is a Buy Now Pay Later app and is a great alternative to Choice Gold Card because:
- Sezzle reports to all three major credit bureaus whereas Choice Gold does not
- Sezzle has no fees whereas Choice Gold charges quite a hefty monthly fee
- Sezzle has over 48,000 merchant partners including Amazon and Target whereas Choice Gold has limited unbranded products at their proprietary online store
- Like Choice Gold Card, Sezzle has no credit checks
- Like Choice Gold Card, you pay 0% APR for your Pay-in-4 installment option
Read our review of Sezzle here.
PerPay
Perpay is better than Choice Gold Card because:
- Perpay reports to all 3 major credit bureaus while Choice Gold Card does not report to any credit bureaus
- Perpay has no fees while Choice Gold Card charges $19.95/month
- Perpays marketplace has branded products like Apple, Kitchen Aid etc whereas www.myuniqueoutlet.com which is Choice Gold's online store has very limited products
- Perpay does not do hard inquiry and requires you to have 3 months of income, no active bankruptcies and no current delinquencies