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Group One Platinum Card

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Picture of Group One Platinum
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By : Mr Credit Card

Key Highlights

  • Regular APR = 0%
  • Annual Fee = $0
  • Membership Fee = $14.77/month which include benefits like Roadside and Legal Assistance, Pharmacy RX Plans
  • Starting Credit Limit of $750 - which has a track record of increasing up to $3,000
  • No Credit Check, No Employment Check - all you need is a valid debit card
  • Reports to Equifax
  • Easy and Quick Application and Fast Guaranteed Approval

At a Glance

The Group One Platinum Card is a merchandise catalog card from Horizon Card Financial Services. There is no interest when you decide to carry a balance on your purchase (ie APR is 0%) and the starting credit limit is $750. For a monthly fee of $14.77, you get benefits like roadside assistance, discounts on prescription meds, legal services and free credit score. There is also no credit checks or employment checks and you will definitely be approved if you have a debit card.

Ideal For

  • Those with damaged credit and have been denied other credit cards, even secured credit cards.
  • Those of you who do not want to incur another hard inquiry on your credit report (no income or employment checks and you only need a debit card to get approved)
  • Those of you who need to improve your credit utilization ratio (as this card starts with a $750 limit but has a track record of credit limit increases)

Card Can Be Used At Horizon Outlet

Group One Platinum Card is not a Visa or Mastercard and can only be used at their online store They sells a variety of goods including electronics, apparel, beauty products, kids and baby products. Below is a screenshot of their online store.

horizon outlet

Buying and Paying with Merit Platinum

When you make use of the Group One Platinum at, you can choose to pay in full or over time. You must pay shipping and processing fees in full, using your Bank Account, prior to items being shipped. The minimum payment is either 10% of the balance or $25. If you buy something that is $25 or less, you have to pay in full. You can set up autopayments with Group One Platinum

Card Details

Annual Fee $0
Regular Membership Plan $14.77/month
Regular APR 0%
Minimum Payment $25 or 10% of Balance
Credit Bureau Reporting Reports to One Credit Bureau

Annual Fee : $0

Monthly MembershipFee : $14.77

Interest Rate (Regular APR) : 0%

Minimum Payment : $25 or 10% of balance.

Membership Plan Benefits

From the details above, you have to pay $14.77 a month to join the Group One Platinum membership shopping portal. You get benefits like

  • Free roadside assistance - Members are eligible to receive up to 1 service call or towing request every 30 days and no more than 3 within a twelve-month period.

  • My Universal RX - You can receive up to 50% discount on prescription drugs.
  • My Legal Assistance - Free 30 minute consultation with legal professional in your area (it does not include criminal defense).

  • Credit-Hawk Free Credit Report - You can get a free credit report (called Credit-Hawk) with this program (and you can access it any time).

Comparables and Comparison With Other Cards

Card Details
Group One Platinum CardMonthly Fee=$14.77
Upfront Fee=N.A.
No Credit Check
Reports to 1 Credit Bureau
Starting Limit=$750
Merit PlatinumMonthly Fee=$14.77
Upfront Fee=N.A.
No Credit Check
Reports to 1 Credit Bureau
Starting Limit=$750
Net First PlatinumMonthly Fee=$14.77
Upfront Fee=N.A.
No Credit Check
Reports to 1 Credit Bureau
Starting Limit=$750
Freedom Gold CardMonthly Fee=$14.77
Upfront Fee=N.A.
No Credit Check
Reports to 1 Credit Bureau
Starting Limit=$750
Unique PlatinumMonthly Fee=$19.95
Upfront Fee=N.A.
No Credit Check
Reports to 1 Credit Bureau
Starting Limit=$1,000
Opensky Secured VisaMonthly Fee=$0
Upfront Fee=N.A.
APR=See Website*
No Credit Checks
Reports to 3 Major Bureaus
Starting Limit=$200-$2,000

Group One Platinum competes with other online store cards that guarantee approval. Most of them are from two issuers, Horizon Card Services (which issues Group One Platinum) and Unique Card Services. And there are also a couple of secured credit cards that do not do any hard inquiry.

Compared to Other Horizon Card Services Cards

Horizon Card Services issues Group One Platinum and other cards like Merit Platinum and Freedom Gold Card. If you look at the table above, you will see that they have identical features and fees. They all come with a monthly fee of $14.77 and start you off with a $750 credit line. They also report to Equifax from the 10th to 15th of each month. So for all intents and purposes, there is no difference between these cards from Horizon.

Compared to Cards from Unique Card Services

Horizon Card Service main competitor is Unique Card Services. The most issued card is the Unique Platinum. It is identical to those from Horizon Card Services except for two things. The first is that they have a higher monthly membership fee ($19.94 vs $14.77). Secondly, cards from Horizon Card Services report to Equifax while cards from Unique Card Services report to TransUnion.

No Credit Check Secured Credit Cards

Aside from online store credit cards, there are a couple of secured credit cards which offer guaranteed approval (ie no hard inquiries or credit checks). You do have to put down a deposit and pay an annual fee but you can use them anywhere where credit cards.

The two examples I gave in the table above are cards from Opensky and First Progress Secured. Secured credit cards are appropriate for you if you can afford the security deposit needed to secure your credit limit.

What We Like About Group One Platinum - No Credit and Employment Checks, Reports to Equifax

  • 7-Day Free Trial - Group One Platinum will give you a free 7-day trial before charging you the monthly membership fee. You can cancel anytime before 7 days.

  • Unsecured $750 - $1,500 Credit Limit - Group One Platinum gives you a very generous $750 unsecured starting credit line. Many folks have gotten credit lines anywhere between $750 and $1,500. Having a large credit lines help in maintaining a low credit utilization ratio.

  • 0% APR On Purchases - Group One Platinum is a "buy now pay later online store" credit card and hence, your APR is 0%. That means that you do not accrue an interest charges even if you do not pay in full for your purchases immediately. However, as mentioned earlier, you will have to pay a minimum payment that is the greater of either 10% of the purchase price or $25. If you buy something that is $25 or less, then you have to pay in full.

  • No Credit, No Employment Check- Guaranteed Approval - There are no hard inquiries or proof of income required. You will definitely be approved for the card as long as you have either a debit card or checking account to pay for your monthly membership fee.

  • Reports to Equifax - Group One Platinum reports to at least one credit bureau and at this moment, it is Equifax (according to cardholders).

What We Do Not Like About group One Platinum - Can Only Be Used at

  • Can Only Be Used At - You can only use this card at Horizon's online store and cannot be used elsewhere like a regular Visa or Mastercard

  • Membership Fee - As mentioned earlier, you do have to pay a $14.77 a month membership.

Our Take: Group One Platinum Is For Those Who Have Been Denied Every Card

When your credit takes a hit and you are in the rebuilding stage, many of you will have tried to apply for either unsecured or secured credit cards (and there are many offers for those with bad credit). Some of you might be lucky and get approved for a couple of cards. However, there are some of you that just keep getting denied by any issuer that you apply. If this describes you, then you may want to consider a card like Group One Platinum.

It may not be the ideal card in the sense that you are restricted to where you can use it. However, your main concern should be rebuilding your damaged credit and have a trade line reporting in your credit report. A card like Group One Platinum can help bridge the gap between now until your scores improve for you to be able to get a regular Visa or Mastercard.

Group One Platinum is also appropriate for those of you who cannot seem to get credit limit increases from your existing cards (you know how difficult that can be) and your credit utilization is high. A card like Group One Platinum with a $750 starting credit limit and a track record of increasing limits up to $3,000 could be ideal to improve your overall credit limits and credit utilization ratio.

To sum up, based on our evaluations, we give the Group One Platinum a 3.5/5 ratings. It is not a card for all rebuilders. But some of you might find this card appropriated given your rebuilding situation. I would use this card for a year or slightly longer until your credit score improves. At that point, you can then upgrade to a better secured or unsecured credit card/

Application Page

Here is a screenshot of the Merit Platinum application page.
merit platinum application

On the next page, you will have to fill in your name, address, phone number, monthly pay, how often you are paid, your next pay date. Once you submit this information, you will get the offer and confirmation. You will be instantly approved (within 60 seconds) once you submit your online application.

group one platinum application group one platinum application group one platinum application

Customer Service Information


Horizon Card Services
P.O. Box 1275
Indiana, PA 15701

Customer Advocacy

5 days a week from 8:30 a.m. until 9:00 p.m

Cancel Membership

Monday through Friday from 8:30 a.m. to 9:00 p.m. EST, and Saturday from 9 a.m. to 4 p.m. EST (excluding holidays)
Or online at