Note: Some information in this post might be outdated. For the most current documentation and updates, please refer to the product’s original page.

The Net First Platinum credit card is not your every-day credit card that you can use anywhere they accept Visa or Mastercard. It is actually not Visa or Mastercard. It is a card meant to be used only at the Horizon Outlet.

If you have limited or poor credit, you might be looking for a credit card which is going to help you rebuild it. This is not the card you are looking for. Because it is not in the business of credit services, banking or insurance, it does not report to any credit agency.

Even though it offers an unsecured $500 credit limit, no employment or credit checks, it is only meant for individuals who are looking to make purchases at the Horizon Outlet website. It is also not a cheap card to have on you. Have a look at some important figures.

The card does not accrue interest. Not only that, it actually costs close to $25 a month just to own it. That’s a yearly $299,40. Not to mention variable processing fees, a $5 card issuance and account validation fee and $6 for every delivery ($3.50 for signature verification and $2.50 for the delivery). 

It does offer a few benefits, but they’re easily matched by much cheaper secured card options. Some of the benefits include a free credit report (which you can get from all three major agencies for free anyway), a prescription benefit which allows for 40% discount on medication (but you can only see the list of qualified medications after you sign up), roadside protection and legal assistance.

Now let’s put pros and cons into perspective so you can decide for yourself which is the heaviest factor in your decision.

The Net First Platinum credit card does not require good credit. It is specifically aimed at people with poor or no credit score who wish to make purchases at the Horizon Outlet website.

After sifting through a number of credit cards, you have decided the Net First Platinum credit card is the right pick for you. Now it’s time to apply. The application process for this credit card is simple and straightforward. You will do everything 100% online, and you will be approved within seconds of submitting your application. Make sure you have your basic info at hand and let’s get that account going.

Now keep reading to learn the online application process for the Net First Platinum card.

On Net First Platinum’s homepage, enter your email,  Zip code, and check the first two boxes to confirm you understand and agree with the issuer’s policies. You may or may not check the third box to receive emails from NetFirst Platinum and other credit cards.

On the next page, enter your personal information such as first name, last name, date of birth. Then scroll down and fill in the contact information with your home address, city and state. Further below enter your phone number. You may or may not check the box to receive credit-related offers through text messages.

If you scroll further you will find the blanks you should fill in with your financial information. Then answer “yes” or “no” to whether  you have direct deposit. If you would like to get your paycheck or government payments as a direct deposit to your account, check the next box. Once you’re done, hit “Submit My Profile”.

Your approval should come out within seconds. Once you get to the approval screen, you must enter your Social Security Number and your card info so that you can fund your account. Don’t forget to check the boxes below, and then click on “Activate My Card Now!”. You are done!

Maybe the Net FIrst Platinum isn’t what you have been looking for. Or maybe you would like to take a look at some of its competitors for comparison. Whatever your case may be, we prepared the table below to help you visualize the differences and make an informed decision.