Net First Platinum Card Review 2021: is it Worth it?

If you are looking to get back to build or rebuild their credit, NetFirst Platinum credit card is a solid option for you. However, this is everything you need to know to make a good choice.

Net First Platinum Card Review 2020; Is It Worth it?

The NetFirst Platinum card makes a lot of promises to consumers: an unsecured $500 credit limit, no credit check, guaranteed approval.

If you don’t read the terms and conditions carefully, though, the limitations and large membership fees could catch you off guard. Before you apply for this offer, make sure you understand what’s on the table.

What is Net First Platinum?

The Net First Platinum is a store and catalog membership card which allows you to use your credit account to shop at their online store. Net First Platinum happens to be run by Horizon Gold.

They do not perform any credit checks so if your information is correct, approval is very certain.. You will also be given a $500 unsecured line of credit upon approval.

Pros and Cons of the NetFirst Platinum Card


  • Easy to Get Approved
  •  Reports to Credit Bureaus
  •  Member Benefits
  • No APR


  • Limited Options
  • High Membership Fees
  • Limited Reporting to Credit Bureaus
  • Automatic Enrollment in Monthly Membership Plan

Net First Platinum Credit Card Account

The Net Frist Platinum card isn’t actually a credit card at all.

It’s more of a revolving credit account that you can use to build your cred and the main features of this account include:

  • No Credit Check – Apply Won’t Affect Your Credit Score
  • No APR On Purchases – You Won’t Pay Any Interest On Purchases 
  • Additional Benefits Through Horizon Services Membership

These few benefits sound great on the surface; however, that’s pretty much where it all ends, very much on the surface.

In general, this card isn’t that great for building credit or using it to shop for items online.

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The Net First Platinum Fees

The following fees apply to Net First Platinum:

Net First Platinum Fees
Fees Amount
Annual Fee $72
Returned Payment Fee $25
Late Payment Fee $20

How to Apply?

To apply for the card you must be at least 18 years old and a US citizen.

  1. Click Apply now.
  2. Complete the application form.
  3. Enter your debit or credit card information. Click Activate My Card Now.

How to Cancel Your NetFirst Platinum Credit Card

According to Horizon Card Services, there is no fee to cancel your NetFirst Platinum credit card.

To cancel, cardholders must call member services at 1-800-251-6144. The member services department is available Monday through Friday between 8:30 a.m. and 9:00 p.m., as well as Saturday between 9 a.m. and 4:00 p.m.

Alternatives To Net First Platinum

There are a ton of options that are much better than a Net Frist Platinum Account and we discuss them below:

Capital One Secured Mastercard

The Capital One Secured Mastercard is a real credit card, which means cardholders can use it to make purchases anywhere Mastercard is accepted. Depending on your credit score, you’ll pay an upfront security deposit of $49, $99, or $200.

OpenSky Secured Visa

The Open Sky Secured Visa doesn’t require a credit check, which means even people with little credit or very poor credit can qualify. However, the card comes with a $35 annual fee.

Deserve Pro Mastercard

The Deserve Pro Mastercard is an unsecured credit card, which means you aren’t required to put any money down. It also comes with no annual fee and cash-back rewards on purchases.


1. Does the card have an annual fee?

Yes, but you pay the fee every month at a rate of $24.95. This means you’ll pay about $299.40 annually.

2. Can I use the card to make a cash withdrawal or to pay at a grocery store?

No. This card only works for purchases made at the online Horizon Outlet Store.

3. Can I build my credit score with this card?

Probably not. You’ll need to find a card that reports to three credit bureaus and that you can use everywhere, not only at a single online store.

4. Is Net First a bank?

No, it is not. The Net First Platinum is a line of credit, and not a Visa, Mastercard, Amex, or Discover card.

If you have poor credit and you spend a lot of money at the Horizon Outlet Store, the Net First Platinum could be a helpful solution.

Otherwise — for the total monthly fees of about $299.40 that you’ll pay — you’ll be better off with another card.

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