Card Review & Application


out of 5

- No Employment or Credit Check
- Bad Credit, No Credit OK
- Always 0.0% APR
- Fast Online Applications

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
- Instant Credit
- Instant Decision
- No Credit Check
- Shopping
- Unsecured
Credit Needed: Bad Credit OK*

The Net First Platinum is a shopping card that gives you more than just a credit limit that you can spend on name brand items. It gives you a number of benefits that you can use to add some convenience to your life, as well as some security and the ability to save money.

The benefits start with My Privacy Protection. This is a service that allows you to monitor your credit report online so that you can identify any suspicious activity. This is a way to protect against identity theft and to ensure that the information that is reported is correct. If there are any errors, then you can take the appropriate action to ensure those errors are removed so that your credit is as clean as possible.

The second benefit is the My Roadside Assistance coverage. This is a service that tends to come with annual membership fees or it is included in auto insurance policies at an additional cost. In this case, your small membership fee includes roadside assistance that will get you out of a bind if you find yourself stranded on a roadway somewhere. Whether you are stranded locally or far from home, there is a participating towing company or locksmith that can help you. Members receive lockout assistance, towing up to 15 miles, fluid delivery, and tire change assistance. Members are limited to one tow in a 30 day period and up to three per year. If a tow needs to be further than the maximum distance allowed by the plan, then the member is responsible for the remaining cost of that tow.

The third benefit is the My Universal Rx plan. This is a benefit that saves members money on their prescriptions. Members save a significant amount of money on their prescriptions, making it well worth the cost of the membership associated with the shopping card. If a member requires a large number of prescriptions and a number of those prescriptions are listed on the online list, then the savings can really add up. Even needing a prescription once in a while will translate into savings that offset the cost of the membership.

The fourth benefit is My Legal Assistance. This is a benefit that allows an individual access to certain online legal tools, as well as the ability to have a free 30-minute consultation with a qualified attorney. Criminal matters are not covered in this benefit, which means an individual has to acquire the assistance of a criminal defense attorney on their own. Other legal matters, however, are covered by this benefit.

The last benefit is the different courtesy programs that are offered. These programs are designed to save the member money on things, such as fuel. Fuel prices are always fluctuating, so this can ensure that some money is saved. It is important to evaluate the different courtesy programs periodically for the fact that they can change and members do want to ensure that they are getting the most out of their memberships by knowing what discounts are available to them.

As for the cost to have all of this, it is minimal. There is a one-time account validation fee. This is charged when the account is opened. From there, members simply pay their monthly membership fee and the shipping and handling charges applied to purchases.

In order to secure the account, there does have to be a valid debit or credit card on file. Applicants must also be at least 18 years of age and U.S. citizens in order to fill out the short application. The application is not very long at all, so it is rather simple to fill out. Once the account is established, the member can then use it in the online store to purchase name brand merchandise at competitive prices. With the generous credit limit that is given, it is easy to buy something very nice and have it delivered straight to the door rather than having to purchase an item by paying for it in full or via a high interest credit card.

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: *See Card for Details
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 Net First Platinum 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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