Group One Platinum Review: 0% APR & $750 Credit Limit

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Key takeaways

The Group One Platinum card offers a $750 credit limit and 0% APR so you can make purchases without the burden of high interest rates.
The card is exclusively for Horizon Outlets. It offers membership benefits including special offers, prescription discounts, credit score monitoring, and roadside assistance.
Consumers should carefully consider the card’s fees and restrictions to determine if it aligns with their financial needs and spending habits.

The Group One Platinum card, issued by Horizon Outlets, is an excellent option for individuals with poor or limited credit. It offers an unsecured line of credit up to $750 with instant approval, requiring neither a credit check nor an employment check. The only requirement is an active credit card or debit card. This card is designed to help those who need to rebuild their credit without the typical obstacles.

If you are interested in discovering more about the features and benefits of the Group One Platinum card, continue reading to find out how it can assist you in improving your financial situation.

What we like about Group One Platinum

Get a $750 credit line

The Group One Platinum Merchandise Card is notable for offering a $750 credit line, which is exceptionally high for an unsecured card aimed at individuals with bad credit. This generous credit line is a significant advantage, providing users with a substantial amount of purchasing power. Although the card can only be used at the Horizon Outlet website, this limitation is mitigated by the wide range of affordable products available.

Horizon Outlets features a diverse selection, including home decor, toys, clothes, and other household essentials. With such a variety of items, everyone is sure to find something they like, making this card a practical choice for those looking to rebuild their credit while enjoying a shopping experience. Additionally, the card’s easy approval process, requiring no credit or employment checks, makes it accessible to a broad audience. If you’re seeking to improve your credit score and enjoy a diverse shopping experience, the Group One Platinum Merchandise Card is a great option to consider.

Credit made accessible

Group One Platinum takes pride in making credit accessible to a wide range of individuals, especially those who have faced challenges obtaining credit elsewhere. This card is an excellent choice if you’ve struggled with credit approval in the past.

Unlike many other credit cards, Group One Platinum doesn’t check your credit score or your employment status during the application process. They will even accept applicants who have had a past bankruptcy, making it a viable option for those working to rebuild their financial standing.

To apply, you simply need to be over 18 years old, a U.S. resident, and possess an active credit or debit card. This card is particularly beneficial for people with no credit history or poor credit who cannot get approved for other cards. By offering an accessible and inclusive application process, Group One Platinum ensures that more people have the opportunity to establish or improve their credit profiles.

Try before you buy

You can try the card for free for 7 days before fully committing to it! Then, cancel without paying fees. During these 7 days, you can take advantage of the $750 credit line to make purchases and get a feel for how the card fits your needs and lifestyle. If you decide that the card isn’t right for you, you can cancel at any time within this period without incurring any fees. This risk-free trial is an excellent opportunity to assess whether the Group One Platinum card aligns with your financial goals and shopping preferences.

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Instant access to credit

One of the most attractive aspects of the Group One Platinum card is the instant access to credit it provides. You can apply online and receive approval within minutes, making it incredibly convenient for those in need of immediate financial flexibility. The application process is straightforward, requiring only basic personal information such as your Social Security Number, annual income, and address.

Once approved, your card will be sent to you promptly. Upon receiving it, simply activate your card, and you can start using it right away. This quick and hassle-free process allows you to access the $750 credit line without any delays. Whether you need to make urgent purchases or start building your credit history, the Group One Platinum card offers a seamless and efficient solution. This immediate access to credit, combined with the ease of application, makes the Group One Platinum card an excellent option for those seeking a quick and effective way to manage their finances.

Group One Platinum’s membership benefits

Besides access to a line of credit, Group One offers members a few benefits that bring peace of mind and savings.

1. 24/7 roadside assistance

The Group One Platinum card provides peace of mind with its 24/7 roadside assistance, ensuring that help is available anytime and anywhere if your vehicle breaks down. Members receive one service call or towing request every thirty days, with a maximum of three within twelve months, offering reliable support during emergencies.

2. Legal assistance

An uncommon but highly beneficial feature of the Group One Platinum card is the legal assistance benefit. It includes one free thirty-minute consultation with a legal professional in your area of interest, providing invaluable support during unexpected moments that require legal advice or intervention.

3. Unique RX

Unique RX is a prescription discount program offering up to 50% off medications at over 55,000 pharmacies nationwide. This benefit can lead to significant savings on medications, making it a crucial feature for individuals with regular medicinal needs, ensuring affordable access to essential prescriptions.

4. Credit Hawk

Credit Hawk is an exclusive service from Group One Platinum, allowing cardholders to monitor their credit score, view their annual credit report, and stay informed about their credit health. Additionally, Credit Hawk provides peace of mind with up to $1,000,000 in Identity Theft Insurance, protecting your credit effectively.

Enjoy a 0% APR

Another major highlight of the Group One Platinum card is its permanent 0% APR, a feature that is truly rare in the credit card market. Unlike many credit cards that offer 0% APR only for a limited promotional period, this card maintains the 0% APR indefinitely. This is particularly advantageous for cardholders who plan on carrying a balance from month to month, as they will never be charged interest on their purchases.

With the Group One Platinum card, you can use your credit line without the worry of accumulating interest, ensuring that you only pay for what you buy. This can lead to significant savings over time, especially for those who typically carry a balance on their cards. The elimination of pesky interest payments makes this card an excellent financial tool for managing expenses and budgeting effectively, providing cardholders with a straightforward and cost-effective credit solution.

My Application Went Thru Quickly

“I just got the card last week after applying for it I think maybe a little over a month ago. I never got a card so fast. It was all very much easier than I thought. I didn’t use it just yet but I visit the horizon outlet pretty often so that’s why I applied for the Group One Platinum Card.” Monica T

What to watch out for with Group One Platinum

Manageable monthly fee

While the Group One Platinum card offers numerous benefits, it’s important to be aware of the associated costs, particularly the monthly maintenance fee. The card charges a monthly fee of $14.77, which totals $177.24 annually. Additionally, cardholders are required to make minimum monthly payments of at least 10% of their balance or $25, whichever amount is greater. These costs can add up over time, so it’s crucial to carefully evaluate whether the benefits provided by the card outweigh the expenses involved in maintaining it.

Consider the value of features such as the $750 credit line, the 0% APR, the RX prescription discount program, 24/7 roadside assistance, and the Credit Hawk monitoring service. By weighing these benefits against the monthly and annual fees, you can make an informed decision about whether the Group One Platinum card is the right financial tool for your needs. Always ensure that the card aligns with your financial goals and budget before applying.

No more credit reporting

The Group One Platinum card no longer reports to the three major credit bureaus, which means that even if you pay all your bills on time, this card will not help you improve your credit score. While this might be seen as a downside for those looking to build or repair their credit history, it also offers certain advantages in terms of flexibility and privacy. Since your credit activities with this card are not reported, you can use it without worrying about the impact on your credit score.

This makes the Group One Platinum card a good option if you’re primarily interested in its other benefits, such as the $750 credit line, 0% APR, 24/7 roadside assistance, prescription discounts, and legal consultation services. Additionally, for individuals who prefer to maintain their credit invisibility and avoid any potential negative impact on their credit reports, this card provides a convenient and low-risk financial tool. Thus, the Group One Platinum card can be an excellent choice for those who value privacy and the practical benefits it offers over traditional credit-building opportunities.

Limited usability

One important consideration with the Group One Platinum card is its limited usability. Unlike traditional credit cards that can be used at a wide range of retailers and service providers, the Group One Platinum card can only be used for purchases made through the Horizon Outlet website. This restriction significantly narrows the scope of where you can utilize your credit line, limiting it to the products available on this specific platform.

While the Horizon Outlet does offer a variety of items, including home decor, toys, clothing, and more, it may not meet all of your shopping needs. Therefore, it’s crucial to evaluate whether the product selection aligns with your purchasing habits and preferences. If you require a credit card for broader use, this limitation might be a significant drawback. However, if you find the Horizon Outlet’s offerings sufficient, the Group One Platinum card can still be a valuable tool for managing your expenses and taking advantage of its benefits.

Bottom line

With minimal requirements, almost anyone can obtain the Group One Platinum card, making it an accessible option for many. This card offers a wide array of benefits, including a substantial $750 credit line, significant discounts on prescription drugs, access to legal services, and credit monitoring through the exclusive Credit Hawk service. For individuals with poor or limited credit, the Group One Platinum card provides a fast and easy application process, requiring no credit check or employment verification. This accessibility ensures that even those who have faced difficulties securing credit elsewhere can benefit from its features.

Whether you’re seeking to manage your expenses with a generous credit line, save on healthcare costs, or gain access to professional legal advice, the Group One Platinum card delivers a comprehensive suite of advantages. If you’re looking for a convenient and beneficial credit option, the Group One Platinum card might be exactly what you need.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

2. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

3. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

5. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC

6. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

7. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Qualifying Deposits into your Current Account over the preceding 30-day period. For more information, please refer to Fee-free Overdraft Terms and Conditions.

8. You may earn Points in connection with your everyday spending and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. The Current Points program is not available to Teen Account holders. See Current Points Terms and Conditions.

9. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

10. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. For more information, please refer to Current Boost Terms and Conditions.

11. Cryptocurrency services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC, and may not be available in all states. Terms and conditions apply. When you buy or sell cryptocurrency, a difference between the current market price and the price you buy or sell that asset for is called a spread. However, unlike most other exchanges Current does not charge an additional trading fee. Cryptocurrency transactions are a form of investment, and all investments are subject to investment risks, including possible loss of the principal amount invested. Cryptocurrency is not insured by the FDIC or any other government-backed or third-party insurance. Your purchase of cryptocurrency is not a deposit or other obligation of, or guaranteed by, Choice Financial Group or Cross River Bank. The cryptocurrency assets in your Zero Hash account are not held at Current, Choice Financial Group, or Cross River Bank. Current, Choice Financial Group, and Cross River Bank are not responsible for the cryptocurrency assets held in any Zero Hash account. Neither Current, Choice, nor Cross River Bank is involved in the purchase, sale, exchange of fiat funds for cryptocurrency, or custody of the cryptocurrencies. Terms and Conditions apply (platform and user agreements). Crypto on Current is not currently available in HI. Licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. This does not constitute investment advice.

12. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.

13. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

14. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

15. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

16. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

17. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

18. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

19. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

20. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

21. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

22. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

23. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

24. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

25. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

26. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

27. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

28. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

29. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

30. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

31. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

32. Tipping or not tipping has no impact on your eligibility for SpotMe®.

33. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

34. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

35. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

36. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

37. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

38. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

* EarnIn is not available for Connecticut residents

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.