A Net First Platinum card is a so-called “merchandise card,” which you can only use for purchases from a single online catalog. Net First Platinum is is designed for use at the Horizon Outlet, which sells clothing, cookware, tools, toys and more.

The Net First Platinum card is easy to get. It doesn't do a pull of your credit report or check whether you're employed. It also offers a $750 credit line, which can look attractive to people with bad credit. But the card's restricted use and narrow range of products may still make it a less appealing choice for many.

What You Should Know About the Net First Platinum Card

• It's a “merchandise card” that works only at Horizon Outlet.
• You can use the card to purchase goods from clothes and toys to tools and books. But you won't find many major manufacturers among the choices.
• The card doesn't do a credit pull when you apply, so mistakes from the past won't keep you from getting it. The application doesn't ask whether you're employed either.
• The Net First Platinum card offers a $750 credit limit to everyone who is accepted.
• The card reports information about your account to the credit bureaus monthly.
• The card's APR is 0%, plus there is a $0 annual fee, and a $0 monthly fee, as well

So, while you can only use the card at an online outlet with a limited selection of goods, the lack of APR, monthly, one-time, or annual fees may make it a reasonable option for some shoppers.

If you have bad credit and need a credit card, you can also check out our editors' latest picks for the best credit cards for bad credit and weigh your options.

No, you cannot use your Net First Platinum anywhere you want. The Net First Platinum is a store card, which means it is not backed by any major credit card network and only works at affiliated locations.

Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The Net First Platinum offers a low regular APR. It also has an annual fee of $0.

You can learn more about the best store credit cards...

You cannot get a cash advance with Net First Platinum. The Net First Platinum can only be used for purchases and only at the Horizon Outlet.

The fact that Net First Platinum cash advances are not an option might be a good thing. Cash advances are very expensive, thanks to a cash advance fee and a high cash advance APR that apply as soon as you withdraw the cash. Also, depending on where you get the cash advance, there may...

You cannot get a cash advance with Net First Platinum. The Net First Platinum can only be used for purchases and only at the Horizon Outlet.

The fact that Net First Platinum cash advances are not an option might be a good thing. Cash advances are very expensive, thanks to a cash advance fee and a high cash advance APR that apply as soon as you withdraw the cash. Also, depending on where you get the cash advance, there may...