This is not a visa or MasterCard credit card offer. This is a misleading offer to apply for, and pay an application fee and monthly service charge, for a Horizon Gold Card that allows you shop for merchandise that is only offered by Horizon. The visa, MasterCard and debit card logos are misleading on the horizon gold website - they imply that the card is a visa or MasterCard but in truth these logos represent the forms of payment that horizon accepts in order to apply for their card. Furthermore, if you open the terms and conditions link and read through it, you will see that the company states that the card being offered is not a visa or