To get a Horizon Gold credit line consumers have to submit an application, either by mail or online. Online applications can be submitted via the official Horizon Card Services website. To begin the application process, consumers must enter an email address and their zip code, then continue to the activation.
After entering the email address and zip code, consumers are directed to a full application page. This page requires the consumer's name, address, phone number and paycheck information. Consumers must also have an active credit or debit card in their name. Applicants are guaranteed a $500 credit limit that can be used to shop at the online Horizon Outlet store.
Applicants who apply for a Horizon Gold card are also automatically enrolled in the company's monthly membership benefit plan. This cost is $24.95 per month and is automatically debited from the cardholder's account, as of March 2015. Additional fees that are associated with a Horizon Gold card include processing fees for items purchased, a one time card issuance and validation fee, and $2.00 fees for residential deliveries.
On average, cardholders must make a minimum monthly payment that amounts to 5 percent of their outstanding account balance. Horizon Gold card does state that there are no penalties should a consumer decide to pay additional payments to their account or pay the account balance off early.