Horizon Card Services is no longer marketing the Horizon Gold. It has been replace by the following cards with identical features but with lower monthly fee and higher starting limits.
Principal Platinum Card
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Principal Platinum is the replacement for the Horizon Gold Card and it has a lower monthly fee ($14.77 vs $24.95) and higher starting unsecured credit limit ($750 vs $500)
Merit Platinum
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Merit Platinum is also another replacement card for Horizon Gold Card. It too has a lower monthly fee ($14.77 vs $24.95) and a higher starting unsecured credit limit ($750 vs $500).
Zebit
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Unlike Horizon Gold and the above cards, Zebit has neither annual or monthly fees. There is also no credit check and you get 0% APR for 6 months and up to $2,500 in credit limits. Their online store is like Amazon in that it sells lots of branded stuff.