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Freedom Gold Card

apply online
BASICS
Card Category
Consumer
Minimum Credit
Level Needed
Bad

Bad Credit
You can apply if: you have late payments or maxed out credit balance; you have more than one foreclosure, repossession, defaulted on a loan more than once or have a recently discharged bankruptcy; you have been declined for a credit card in the last three months.

Card Type
Unsecured Store Card
Card Rating
CreditCardMenu.com evaluates each card offered on the site using several criteria (e.g., interest rates, fees, benefits, rewards programs) in order to help you choose a card. This rating reflects CreditCardMenu.com's opinions, beliefs and experiences with credit card products presented and reviewed on this website. This rating is not influenced by payment considerations.
RATES
Intro APR on Purchases (Intro Period)
n/a
Intro APR on Balance Transfer (Intro Period)
n/a
Ongoing APR (Purchases)
0.00%
Ongoing APR (Balance Transfers)
n/a
Ongoing APR (Cash Advances)
n/a
CARD FEATURES
Available Rewards
No Rewards Program
Card Description
• $500 Unsecured Credit Limit.
• Guaranteed Approval*.
• No Credit Check.
• No Employment Check.
• Fast online application.
• Reports to a Major Bureau.
• Bad Credit - OK.
• *See site for details.
FEES
Annual Fee
Application Processing Fee
See Terms
Balance Transfer Fees
Cash Advance Fees
Foreign Transaction Fees
Late Payment Fee
$20
CARD REVIEW

Freedom Gold Card: Guaranteed Unsecured Line Of Credit

Those with bad credit who are looking for an unsecured line of credit may like this offer – the Freedom Gold Card. This card is also good for consumers with no credit or limited credit. The credit card issuer guarantees a $500 line of credit without credit check and employment check. However, this line of credit can only be used at issuer’s online catalog, The Horizon Outlet. There are some card maintenance fees and membership fees you should be aware of. The Freedom Gold Card is reported to one credit bureau as unsecured line of credit, so if you are looking for credit improvement, this card can be a good option for you.

Who can get it: Any U.S. resident over 18 years of age is eligible for the Freedom Gold Card. You will also need your Social Security number (SSN) and a valid debit or credit card to fill out an application form.

Why you want it: If your credit card applications are constantly denied because of bad credit or lack of credit history, this card can be a way for you to break through this application-denial circle. There is no credit check, no employment check, and approval is guaranteed.

What you can benefit with it: This card does not bear a logo of any payment processing network which narrows the card use to one online catalog - the Horizon Outlet. Here you will be able to use your card to buy different merchandise, from clothing to accessories. The online shop offers the following shopping categories:
  • Women: Apparel, accessories, jewelry, beauty and footwear

  • Men: Apparel, accessories, footwear

  • Kids/Baby: Apparel, accessories and footwear for boys and girls

  • Entertainment: DVDs, video games, books, sporting goods, electronics, games

  • Home: Bedroom, bathroom, kitchen, décor, luggage, auto and tools

  • Toys: Games, stuffed animals, Legos, dolls, learning toys and more

  • Seasonal: Everything you need from Halloween to Valentine’s Day

As many store credit cards on the market, the Freedom Gold card comes with benefits. They include Privacy Protection, Universal RX, Roadside Protect, Legal assistance, and Fuel Savings. All benefits are available to all active accounts which are on a benefit plan membership. To access benefits, you will need to log in to account at memberbenefitaccess.com.

Fees and charges to consider: The best thing about this card is that it doesn’t charge interest. The APR on purchases is 0.00%, so carrying a balance won’t cost you anything in interest fees. The membership fees are rather high though. . This card has a $6 monthly card maintenance fee which is however waived to all active $24.95 monthly benefit plan accounts. When you activate your card, you will be charged a See Terms account activation fee.

Reasonable efforts are made to maintain accurate information. However, the information on the cards' rates and terms is presented without warranty. When you click on the "apply online" link you will have an opportunity to review the credit card terms and conditions on the credit card issuer's web site.

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CreditCardMenu.com is an independent, advertising-supported website. CreditCardMenu.com receives compensation from the credit companies whose offers appear on our website. Compensation may have an impact on how and where credit products appear on the website, including, for example, the order in which they may appear within reviews. CreditCardMenu.com does not present, nor does it review all available credit offers.

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Disclosure: Not an access card.