• Interest Rates and Interest Charges
  • Annual Percentage Rate (APR)
  • For Credit Card Tips from the Consumer Financial Protection Bureau
    To lean more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
  • Fees
  • Set-Up and Maintenance Fees

    Membership Fee:
    $14.95 per month ($179.40 annually)

    Account Set-up Fee:
    $0 (one-time fee)

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.


7-day Risk-Free Trial

About The Principal Platinum Account: Principal Platinum Account is a line of credit that can be used by an Account holder to shop exclusively at our online shopping website This product is not a Visa, Mastercard, or debit card. After obtaining an Account, you can make purchases of select items available at or through our website. There are no down payment requirements for purchases at our website. You may not use the Account to pay shipping and handling. Instead, you must use a valid and active U.S. credit card, debit card, checking or savings bank account to pay for shipping and handling for your Platinum Outlet purchases and to pay your Platinum Account fees.

About This Offer: You must be at least 18 and possess a valid and active U.S. credit card, debit card, checking or savings account. There are no credit bureau checks, employment requirements, or restrictions applicable to those with past bankruptcy history. If we cannot verify your identity or you do not meet our ability to pay requirements, we may be unable to open an account for you. We reserve the right, in our sole discretion, to reject any application for any reason or for no reason.

Mobile Telephone - Permission to Contact: By giving us your mobile telephone number, we have your permission to contact you at that number regarding all accounts you have with us. Your consent allows us to use text messaging, artificial or prerecorded voice messages and automatic dialing technology for informational and account service calls, but not for telemarketing or sales calls. It may include calls from companies working on our behalf to service your account. Message and data rates may apply. You can change these preferences at any time by contacting us.

About us: Principal Platinum Card Services is not a credit services organization, banking institution or insurance company, nor is it affiliated with any credit services organization, banking or insurance institution. Principal Card Services does not facilitate, or provide assistance in obtaining credit from any other credit-issuing entities. Principal Card Services does not charge an advanced fee to establish credit and does not attempt or claim to attempt to repair a customer's credit history.

Principal Platinum AGREEMENT

Definitions and Agreement

This Principal Platinum Agreement ("Agreement") includes the Pricing Summary and governs the Principal Platinum Account. We, us, and our refer to Reliant Holdings, Inc., the provider of the Principal Platinum Account credit line access, benefit access, and the Horizon Outlet. You, your, and yours refer to the person who has applied for the Account. Platinum Account refers to your Principal Platinum Account. By submitting a request for a Principal Platinum Account, you agree to this Agreement. You must possess a valid and active U.S. credit card, debit card, checking or savings bank account ("Bank Account"). You must use this Bank Account to pay your Platinum Account fees and to pay for shipping and handling for your Platinum Outlet purchases.


One Time Account Validation Fee: See Pricing Summary for amount.

Monthly Membership Fee: See Pricing Summary for amount. The Monthly Membership Fee will be charged to your Bank Account each month and will show on your bank statement as Horizon Card Services. Upon payment of this fee, you are entitled to membership benefits. Benefits include access to an unsecured credit line, Credit Hawk, My Universal RX, My Roadside Protect and My Legal Assistance benefits. Benefits can be accessed through this website:

Shipping and Handling Fees and Important Policies: You must pay shipping and processing fees in full, using your Bank Account, prior to items being shipped. Shipping and processing fees are non-refundable. Items purchased from the Horizon Outlet are subject to [policies hyperlink]. Please review these policies and make sure you fully understand and agree to these policies, which include important information on shipping and handling, refunds, returns and final sale/non-returnable items.

Payment of Fees: You agree that we can charge your Bank Account the full amount and or any portion of the full amount as not to exceed the advertised amount of your fees. In the event we are unable to capture the full amount from your Bank Account as you requested, we may, within 7 to 60 days, attempt to reprocess your request for any amount up to the original processing amount.

Membership Cancellation: You may cancel your membership at any time. If you cancel your membership, you will lose your benefits, including your access to new purchases, effective at the end of the month for which you last paid your membership fee. You must continue to make your minimum monthly payment until you have paid in full. You can pay in full at any time. To cancel your membership call Member Services at 1-800-251-6144, Monday through Friday from 8:30 a.m. to 9:00 p.m. EST, and Saturday from 9 a.m. to 4 p.m. EST (excluding holidays).


Minimum Monthly Payment: The minimum monthly payment for any given month is the greater of: a) 10% of the Platinum Account balance at the end of the month or b) $25.00 (or the entire Platinum Account balance if it is less than $25).

Purchases and Monthly Billing: You will be electronically/paper billed monthly for the minimum payment due on your Principal Platinum Account. Only Account holders that are in good standing may make purchases at the Website and receive additional Account holder’s benefits. On occasion, a product or products that you order may be out of stock from our suppliers. In that event, all pre-paid funds, for your convenience, will be automatically applied as a credit to your Principal Card Services Account.

Your Promise to Pay: You agree to pay all charges on your Platinum Account in accordance with this Agreement and agree to pay at least the minimum payment due shown on each monthly electronic bill/paper statement. You can pay the full Platinum Account balance at any time. All payments must be received on the date indicated on the electronic bill/paper statement. Payments received are always applied to any unpaid balance. Payments are applied toward purchases in the same order that they were made, older purchases first.

ACH Debits: If any Automated Clearing House ('ACH') or Remotely Created Check ('RCC') debit request for a fee associated with your Platinum Account is returned due to non-sufficient funds available in your Bank Account, we may attempt to collect the applicable fee by automatically resubmitting to your bank subsequent ACH or RCC debits. Any subsequent debit attempts by us will not exceed the original fee amount. Furthermore, you understand and agree that if we are unable to obtain payment from your bank, we reserve the right to immediately terminate your Platinum Account or reduce your available credit until a consistent payment history has been established.

Credit Bureau Reporting: Principal Card Services will report your new Principal Platinum/Horizon Outlet Account to at least one major credit bureau upon receiving positive confirmation of your identity. In order to confirm your identity, you may be required to send Principal Card Services additional information. The Principal Card Services Account does not guarantee aid in building or re-building credit, or to the posting of any positive references to any credit report. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. Due to circumstance beyond our control, it may take up to 60 days for your Principal Card Services information to appear on your credit report. We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. If you believe that information we reported is inaccurate or incomplete, please write us at Platinum Card Services, P.O. Box 1275, Indiana, PA 15701. Please include your name, address, home phone number and Platinum Account number.


How it Works: Upon activation of your membership, you will receive various benefits including access to a line of credit to use exclusively on purchases available through the Horizon Outlet Website. Your Platinum Account will not work at any other website. Purchases are subject to standard shipping and handling fees, which must be paid using your Bank Account.

Customer Advocacy: If you feel at any time you are not receiving the customer care and attention you deserve, we encourage you to contact our 'Customer Advocacy' department. Customer Advocacy is dedicated to helping you 5 days a week from 8:30 a.m. until 9:00 p.m. Please call 1-800-837-4997 for Customer Advocacy.

Principal Platinum Membership: As a Principal Platinum Member, you will receive privileges in Credit Hawk, MY UNIVERSAL RX Prescription Discount Plan, MY LEGAL ASSISTANCE and MY ROADSIDE ASSISTANCE Plan. Use of Credit Hawk account requires activation. Upon activation with Principal Platinum, you are bound by the User Agreement provided at the enrollment site.

Plan Limitations and Restrictions: Access to member benefits is restricted to only the member on file of an active Platinum Account. Should you wish to add additional family members to your plan, please contact customer service at 800-251-6144 for pricing. Fraudulent use and access of benefits constitutes theft and will be prosecuted to the fullest extent of the law. Principal Platinum has the right to temporarily suspend or cancel member plans that have the appearance of fraudulent use. It is your responsibility to know your plan limitations. Upon reaching all or any single plan inclusion program limit within a 12-month period, access will be denied.

Credit Hawk: Unlimited Internet access. To activate your Credit Hawk account and view your credit report, visit and log into your account using the account issued to you upon approval of your membership.

My Universal Rx: Unlimited local participating pharmacy access. Members receive up to 40% off of covered prescription medications. Check website for selected medications and changes.

My Roadside Protection: Benefit coverage begins following a 5-day waiting period from date of enrollment or reinstatement. Up to 3 service calls or towing requests up to 15 miles not to exceed the operator cost of $50.00. Additional mileage and associated towing costs will be your responsibility to pay at the time of service. No more than one towing or service call is covered within a 30 day period and no more than 3 total service calls within any 12 month period. Service calls include Fluid delivery (up to 2 gallons of fuel which you must re-pay at the current pump price for your area), Lock out service and flat tire change service with the spare tire that you provide. This service is not to be used for accident vehicle recovery therefore there is no benefit coverage.

My Legal Assistance: Toll free and Internet access to Legal resources. Criminal defense cases are not covered under this plan. Your plan entitles you to one free 30-minute consultation with a legal professional in your area specializing in your area of law interest.

Courtesy Programs: My Fuel Savings and other programs that are currently offered to our member base are done so as convenience and courtesy items only. Principal Card Services makes no warranty or guarantee of these services and they are subject to change or discontinuation at any time.

Good Standing Requirement: You understand that you must maintain your Account in good standing by making at least the minimum monthly payments on time and accurate account and personal information is up to date. If your Account is in default status, you understand that your Account privileges and benefits may be suspended and/or terminated until you have re-established a consistent pattern of on-time monthly minimum payments.

Other Terms

Incomplete Applications: By clicking 'submit' on the application page located at , you grant us permission to contact you, when necessary, via e-mail or telephone to complete your application. If we approve your application; you will receive an e-mail confirming your application approval and your associated username and password information ('Login') information. Once you receive this Login information, you may make immediate use of your Account.

Updating Your Phone Number and Other Information: When you apply for a Platinum Account, you agree to provide accurate, current and complete information about yourself ("Application Data"). You agree to maintain and update your Application Data to keep it as accurate, current and complete as possible. We reserve the right, in our sole discretion, to terminate your Platinum Account for inaccurate, untrue, deceptive and/or incomplete Application Data. Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. You can update your mobile number by calling us at 800-251-6144.

Contact Authorization: When you provide us with an email address, you authorize us to contact you by email. When you provide us with a telephone number, you expressly authorize us to contact you by voice or text using automatic dialing equipment and artificial or prerecorded voice messages. These communications may be monitored or recorded. You authorize these contacts even if the number is a mobile phone number or converts to a mobile phone number, and even if you are charged by your service provider. These contacts may concern debt collection, notification of potential fraud, or for other Account-servicing purposes, but does not extend to telemarketing or sales calls. This authorization covers successors, assigns, affiliates, agents and contractors. You agree to maintain an active email account and telephone number at which we can contact you. You agree to provide us with that email address and telephone number and to notify us immediately of any changes to that contact information. You may change your preferences or update your contact information by calling Customer Service at 800-251-6144.

Telephone Monitoring: You agree that we (and our affiliates, agents and contractors) may monitor and record any calls between you and us.

Default: Your Platinum Account will be considered in default status if: a) you fail to pay the minimum monthly payment when due; or b) you breach any of the terms and conditions of this Agreement. If your Platinum Account is in default, in compliance with applicable law, we may: a) demand that you immediately pay the entire unpaid balance on your Platinum Account; b) apply monies received on subsequent purchases to any delinquent Platinum Account balance owed; and/or c) proceed with legal action to collect any unpaid amounts.

Changes to Your Agreement: The fees and terms of this Agreement may change and we may add or delete any term to this Agreement, consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.

Choice of Law/No Waiver/Severability: This Agreement shall be treated as though it were executed and performed in Indiana, Pennsylvania, and shall be governed by and construed in accordance with the laws of the State of Pennsylvania (without regard to conflict of law principles). To the extent that anything in or associated with the Website, the Service and/or your Account is in conflict or inconsistent with this Agreement, this Agreement shall take precedence. Our failure to enforce any provision of this Agreement shall not be deemed a waiver of such provision nor of the right to enforce such provision. The parties do not intend that any agency or partnership relationship be created through operation of this Agreement.