Card Review & Application


out of 5

- $750 Unsecured Credit Limit (Usable only at
- Instant Approval*
- No Credit Check
- No Employment Check
- Fast online application
- Bad Credit OK
*See site for details

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 0.00% (fixed)*
Annual Fee: See Terms*
Card Issuer: Horizon Card Services
Card Network: Other Networks
Card Category: Consumer (Shopping)
Card Type: - Card for Bad Credit
- Damaged Credit
- Instant Credit
- No Credit / New to Credit
- No Credit Check
- Shopping
- Unsecured
Credit Needed: Bad Credit OK*

The Freedom Gold Card is a shopping line of credit that gives you more than just money to shop within an exclusive online store; it also gives you a number of membership benefits that you can use to save you money.

But first, you have to apply for the card. There is an unsecured credit limit on the card and you do have the option of requesting more if you feel that you need it. Approval is needed for the minimum, but approval is instant as long as the requirements are met. The requirements are that you are a resident of the U.S., are at least 18 years of age, and that you accept the terms and conditions. You also need to have an active credit card, debit card or checking or savings account in the U.S. There are no income requirements, no credit checks, and no need to verify employment in order to obtain an account. In other words, the requirements are minimal in order to obtain this shopping card.

Once the card is received, it can be used in the exclusive online store. In this store is name brand merchandise that can be purchased for competitive prices. With each purchase, there are transaction fees and shipping and handling, but these fees are small. There is no interest on the card, so, collectively, the card can cost less than one with a high APR. At the same time, merchandise is acquired now and paid for later.

In addition to the shopping privileges, members receive a number of benefits. The first benefit is My Privacy Protection, which allows you to keep track of your credit report. By keeping track of your credit report, you can identify suspicious activity immediately and have it taken care of.

The second benefit is My Universal Rx and it gives you unlimited participation in discounts offered by local pharmacies that accept the discount. You can check online to see the list of prescriptions that can be discounted. It is good to check before each prescription is filled because the list can change.

The third benefit is My Roadside Protection. This is a limited form of roadside assistance. It is limited in that you can make a total of three service calls in a year with no more than one towing call in a 30-day period. When you need to be towed, you can be towed up to 15 miles for free. Any further than that, you will be responsible for the cost. You can also have up to 2 gallons of gasoline delivered, but you will have to re-pay the dollar amount of the gasoline. If you are locked out of your car, a locksmith will be called to go to your location. The same applies to the flat tire change service. If you have a flat tire, someone will come and put your spare on for you.

The fourth benefit is My Legal Assistance which entitles you to a free 30-minute consultation with an attorney for a non-criminal defense matter. Your consultation will be with an attorney who specializes in the matter.

The last benefit includes Courtesy Programs. These programs are subject to change but can include such savings as My Fuel Savings, which can come in quite useful due to high fuel costs. These programs will save you even more money.

As for fees on the card, aside from the transaction fees and shipping and handling, there is a membership to take advantage of these services. Paying the membership fee allows the monthly maintenance fee to be waived. There is then an insufficient funds fee. This fee only occurs if a payment is made and the payment bounces due to insufficient funds. Any fees that are on the account are rather straightforward. If the account is not in good standing, then the card issuer may request that the entire balance be paid.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Other Benefits: *See Terms and Conditions of the card for other benefits
Comments: This card is NOT a credit card but a shopping card.
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 0.00% (fixed)*
Annual Fee: See Terms*
Grace Period: None*
Min Credit Line: $750
Late Payment Fee: N/A*
Balance Transfer: No
Opening Minimum: $0.00
Application Fee: $0.00
Additional Fees Account activation fee: $0
Monthly membership fee: $14.77
See website for Details* -
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* The information provided for Freedom Gold Card is believed to be accurate at the time of evaluation (May 28, 2024). We strongly advise visitors to review the terms and conditions to verify accuracy of the information and fees posted prior to applying for the product.

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