Principal Platinum Card

The Principal Platinum is the new and improved version of the Horizon credit card.

Principal Platinum Credit Card
  • Instant Approval with a $750 Credit Line!
  • RISK-FREE 7 Day Trail!
  • No Employment or Credit Check
  • Bad Credit, No Credit – OK
  • 0.00% APR
  • Reports to Major Credit Bureaus

At a Glance

The Principal Platinum Card is a new credit card offering that has replaced the Horizon Gold credit card. It is a new and improved card, with lower fees and a higher credit limit of $750 (vs. $500 for the horizon gold). What’s more, you can even try out the credit card risk-free for seven days. 

Card Details

Account Activation Fee$0
Credit Limit$750
Credit Bureau ReportingReports to All Major Credit Bureaus
Regular APR: 0.00%
Approval TimeInstant
Recommended Credit RatingBad/No Credit

Ideal for Those Who:

  • Have bad credit or no credit
  • Are looking for a card that doesn’t require a credit or employment check
  • Are looking for extra perks with their credit card like credit monitoring and roadside assistance


The Principal Platinum Card comes with a number of benefits, including:

  • Once you activate your card, you will receive a number of benefits, including access to a credit line that you can use exclusively on purchases available via the Horizon Outlet website. It’s important to note that the Principal Platinum Account won’t work with any other website.
  • Enhanced customer service: The Principal Platinum Card goes above and beyond for customer service. At any point, if you feel you aren’t receiving quality customer care, you can contact the Customer Advocacy department. 
  • Membership privileges: As a Platinum Cardmember, you will receive privileges for CREDIT HAWK, MY UNIVERSAL RX Prescription Discount Plan, MY LEGAL ASSISTANCE, and MY ROADSIDE PROTECTION Plan.  

Should You Apply for the Principal Platinum Card?

As you can tell by now, there are some pretty significant benefits associated with the Principal Platinum Card that may make it an attractive option for you, for example:

  • $750 credit limit
  • 0% APR
  • No credit/employment check required
  • Low annual fee
  • No deposit required
  • Reports to all four major credit bureaus— perfect for people trying to build or rebuild credit.
  • No hidden fees
  • Easy to apply

Overall, we think the Principal Platinum Card is a great choice for people looking to build or rebuild their credit. If you are looking for a premier marketplace to shop at for everyday items while building credit, the Horizon Outlet is perfect for you.