Milestone® Mastercard® - Less Than Perfect Credit Considered

Premium card to rebuild credit with easy and quick pre-qualification

Updated: Oct 06, 2021

Advertiser Disclosure

This card isn't solely for people who are looking to rebuild their credit scores. The people at Milestone Gold understand that everyone makes mistakes, and some financial mistakes can reflect quite poorly on your credit score. This is why Milestone Mastercard comes in to help you repair your credit score. This is a card that accepts virtually anyone into their fold and allows them to fix their credit. Fixing your credit isn't going to be quick, and isn't going to be an easy task. The whole Pre-qualification and Application process is quick. Both of these are done through the internet, and will not take a lot of time. After you've received and activated your card, you can use it within your credit reparation strategy, and get a second lease on your financial well being. After you've boosted your credit score to a sizable amount, you're going to become eligible for a better card - so consider this card an important stepping stone to greatness.


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453 User Ratings

Milestone® Mastercard® - Less Than Perfect Credit Considered

at Milestone's Secured website

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Introductory APR


Intro APR Period


Minimum Credit Score

Bad Credit OK

Key Features

  • Quick and easy pre-qualification process
  • Less than perfect credit is okay
  • Access your account online or from your mobile device 24/7
  • Choice of card image at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • The Milestone Mastercard is issued by The Bank of Missouri and serviced by Genesis FS Card Services, Inc.

Our Take

This Milestone Gold – Less Than Perfect Credit Considered card is catered around people who have Bad, Fair, Poor, and Good credit scores. It’s a great stepping stone to financial health and will help you on your journey to get your credit score back up there.

Who Is This Milestone Mastercard For?

Having a bad credit score isn’t going to result too well in many different aspects of your life. This is why improving it is such a significant venture. If you’re looking to improve your credit score, you’re going to need a top of the line tool for the job. A great tool like the Milestone Mastercard – Less Than Perfect Credit Considered card isn’t going to do the job all by itself. You’re going to need to include it within your credit reparation strategy. Devising this strategy can be hard, but there are agencies that can help you do it. The most important thing aside from the strategy is a reliable credit reparation card, serviced and issued by reputable institutions. This card is issued by the Bank of Missouri and maintained by the Genesis FS Card Services. Both of these are renowned for their service and have been serving the people for quite a while.

Benefits of Milestone Mastercard – Less Than Perfect Credit Considered

  • Credit fix potential. An essential feature of this card is its sheer credit reparation potential. The credit reparation potential is only amplified by the unparalleled approval rates. The more available the card is, the more likely it’s going to be used, and that’s one of the main points of this card. It’s for people who want to build or repair their suffering credit score. Since it has a couple of features to it, which make it ideal as a credit reparation tool, it’s a great option overall.
  • Capped purchase power. It doesn’t have much purchasing power, which is both an advantage and a disadvantage. On the one hand, since the meek purchasing power is capped at a mere $300, you can’t purchase anything substantial. But this isn’t necessarily a bad thing. If you can’t make massive purchases, you can plan your spending more responsibly. And that’s the main point of any credit reparation strategy and effort – responsibility. Once you come to terms that you need to make a plan and stick to it, the planning behind the $300 of spending that you do have increases tenfold. This will allow you to cure yourself of impulse purchases, and get only the essentials that you need.
  • Good for traveling. Since this card comes with a multitude of benefits associated with the Mastercard platform upon which it is based on, it makes a great traveling companion. But, if you don’t have a huge credit score, you’re not likely going to want to travel too much.
  • Cash advance availability. This is why cash advances are a thing. Cash advances are essential, and since most ATMs around the world accept Mastercard, the cash advances are available in plenty of locations. The most important thing to take into consideration when you’re looking for the cash advance is the fact that the card doesn’t really demand much from you. Cash advances are available to anyone who has this card. Since the requirements for getting this card are as low as they are, they’re open to anyone.
  • Powerful purchasing features. One thing that everyone wants in their credit card is pristine purchasing features. Many cards will have flashy “purchasing” features but be nowhere to be seen when the occasion arises. Since this card is based on the Mastercard, it comes with a wide assortment of features, such as Zero Liability Protection, Global Service, and Mastercard ID Theft Protection.
  • Attractive other benefits. Most of these are put in place to make you feel right at home and protect your rights as a purchaser. Another array of features that are very important in a credit reparation card are security features. There are some faults when it comes to this card, but its notable security features are its shining star. (See ID Protection Services). Live Mastercard support anywhere in the world, legal and medical assistance, and many identity theft security features make this card a safe, reliable, and stable option for rebuilding your credit score.

Are There Any Disadvantages?

  • Annual fee. You need to know that there might be an annual fee. This fee isn’t up to you to decide, but the credit score. Usually, you’re going to get accepted for this card, but if your credit score is abysmal, you’re going to be charged higher annual fee. The issue with this is that the website is not going to inform you about this. This information is entirely unavailable through the site, and you can only know it when the card arrives, and you’ve seen a fee on it.
  • High interest. If you miss paying this fee, you’re in for a world of hurt. The high penalty APR and late fees are going to set your credit rebuilding efforts back by quite a while. However, you will not be charged interest or late fees if you pay your bill on time.
  • No unique benefits. There seem to be a lot of fees associated with this card, with no unique benefits. All the benefits that this card has are all based around the Mastercard, not Milestone. The faults, however, are exclusive to this card, meaning you need to financially prepare to repair your credit.

Should You Use Less Than Perfect Credit Considered Card?

The Less Than Perfect Credit Considered card is a credit reparation card. If you have a bad credit score, you’re going to need a card like this. This isn’t the only option on the market, though. Still, it does come with all the necessities a credit reparation strategy needs. For example, the benefits of this card aren’t solely restricted to Mastercard. There are no unique perks of this card, but it does report to all three major credit bureaus (See similar card offers). It’s also an unsecured card, meaning that you’re going to repair your credit at a faster rate as long as you’re responsible for your payments.

Always pay your dues on time, and never purchase something you can’t afford – if you practice these precautionary measures, you’re going to see your credit score grow in no time.

Other Cards Issued by Milestone

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Basic Information
Issuer: Genesis Bank
Network: Mastercard®
Category: Consumer (Regular)
Best Used For:
  • Cards for Bad Credit
  • Instant Decision
  • EMV Chip
  • Unsecured
  • Building Credit
  • Damaged Credit
  • Pre-Qualification
  • Rebuild Credit
Rewards: No
Rates & Fees
Regular APR: 24.90%
Regular APR Type:
Annual Fee: See Terms
Balance Transfer: No
APR on Cash Advances: 29.90%
Grace Period: 25 days
Late Payment Fee: Up to $40
Other Fees:
  • Returned Payment: Up to $40.00
  • Foreign Transaction Fee: 1%
  • Annual Fee: $35 $99*

Milestone® Mastercard® - Less Than Perfect Credit Considered Alternatives

Milestone® Mastercard® - Less Than Perfect Credit Considered

Milestone® Mastercard® - Less Than Perfect Credit Considered


Annual Fee

See Terms

Regular APR


Intro APR


Min. Credit Level

Bad Credit OK

Additional Information & Comments

*Dependent on credit worthiness

*The information provided for Milestone® Mastercard® - Less Than Perfect Credit Considered is believed to be accurate at the time of evaluation or recent update on October 06, 2021. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

Milestone® Mastercard® - Less Than Perfect Credit Considered

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Milestone® Mastercard® - Less Than Perfect Credit Considered

Milestone® Mastercard® - Less Than Perfect Credit Considered

Min. Credit Required: Bad Credit OK

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