This card is great for shoppers! The Net First Platinum Card offers a $750 credit limit, requires no credit check, and provides 0% APR on full monthly balance payments. Exclusive perks include special promotions at Horizon Outlet and built-in benefits.

If your intention is to build a great credit history, then this card is not the best option. As it is a merchandise line for credit, it does not generate reports for credit bureaus. Consequently, this card does not build credit.

No, you don’t need good credit to qualify for the Net First Platinum Card. This is one of its main advantages for people with limited credit history. However, keep in mind that secured credit cards might offer similar benefits with lower fees and a clearer path to credit improvement. Even without a credit check, using the card responsibly is crucial to avoid damaging your score with late payments or high balances.