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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 is issued by Horizon Outlets and is a good option for people who have poor or limited credit. It provides an unsecured line of credit up to $750 with instant approval – no credit check or employment check is necessary. All you need is an active credit card or debit card. So, if you want to learn more about the features and benefits of the Group One Platinum card, keep reading to find out.
What We Like About Group One Platinum
Get a $750 Credit Line
The Group One Platinum Merchandise Card stands out with its $750 credit line. A $750 initial credit line is high for an unsecured card for bad credit. True, it can only be used at the Horizon Outlet website, but Horizon Outlets has a wide range of affordable products including home decor, toys, and clothes. Everyone is sure to find something they like.
Get instant access to a $750 credit line!
No credit check – No employment check – No security deposit. Only a fast application.
Credit Made Accessible
Group One Platinum takes pride in making credit accessible. This card is an excellent choice if you’ve faced challenges obtaining credit elsewhere. Group One Platinum won’t check your credit score or your employment status. They’ll even accept you if you’ve had a past bankruptcy. All you need to apply is to be over 18, a U.S. resident, and to have an active credit or debit card. It’s a good card for people with no credit history or poor credit who cannot get approved for other cards.
Try Before You Buy
You can try the card for free for 7 days before fully committing to it! Then cancel any time without paying fees. This way you can explore the card’s benefits and features and decide if it is right for you.
Instant Access to Credit
One of the most attractive aspects of the Group One Platinum card is the instant access to credit. You can apply online and find out if you’re approved in minutes. All you need to give is basic personal information including your Social Security Number, annual income, and address. Activate your card when you receive it, and you can use it immediately.
Group One Platinum’s Membership Benefits
1. 24/7 Roadside Assistance
The card provides peace of mind with its 24/7 roadside assistance, ensuring help is available anytime, anywhere if your vehicle breaks down. Members get one service call or towing request every thirty days, no more than three within twelve months.
2. Legal Assistance
An uncommon but highly beneficial feature is the legal assistance benefit. You get one free thirty-minute consultation with a legal professional in your area of interest. This service can be invaluable for those unexpected moments requiring legal advice or intervention.
3. Unique RX
Unique RX is a prescription discount program where you get up to 50% off medications at over 55,000 pharmacies nationwide. This benefit can lead to significant savings on medications a crucial feature for those with regular medicinal needs.
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4. Credit Hawk
Credit Hawk is an exclusive service offered by Group One Platinum, enabling cardholders to monitor their credit score, view their credit report annually, and stay informed about their credit health. Credit Hawk lets you protect your credit and get peace of mind with up to $1,000,000 in Identity Theft Insurance.
Enjoy a 0% APR
Another major highlight is the 0% APR, which is a rare find. Most 0% APRs will go away after a promotional period, but this one is permanent. If you plan on carrying a balance, a 0% APR is especially beneficial as you’ll never be charged interest! Use your card and only pay for what you buy. No more pesky interest payments.
Tired of being denied credit?
Enjoy access to a $750 credit line with no credit check, no employment check, and a 0% APR.
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 TWhat to Watch Out for with Group One Platinum
Manageable Monthly Fee
While Group One Platinum offers many benefits, it’s important to be aware of the monthly fee. The card charges a monthly maintenance fee of $14.77 which comes to $177.24 annually. You will also have to make minimum monthly payments of at least 10% of your balance or $25, whichever is greater. You should always evaluate whether the benefits outweigh the cost of maintaining the card before you apply.
No More Credit Reporting
The Group One Platinum card no longer reports to the three major credit bureaus. This means that even if you pay all your bills on time, the card will not help you improve your credit score. While this might be seen as a downside for those looking to build a credit history, it also offers a layer of flexibility and privacy. You can use the card without worrying about the impact on your credit score, making it a good option if you’re primarily interested in the card’s other benefits or if you prefer a credit option that maintains your credit invisibility.
Did you know you can improve your credit by paying your monthly bills on time?
It’s true! All you have to do is join StellarFi and get credit for the bills you’re already paying.
Final Thoughts
With few requirements, almost anyone can get the Group One Platinum card. It offers numerous benefits including a $750 credit line, discounts on prescription drugs, access to legal services, plus credit monitoring. So if you have poor or limited credit and are looking for a card with a fast and easy application process, give Group One Platinum a try. It may just be the card you need.
