Milestone® Mastercard® - Less Than Perfect Credit Considered

Premium card to establish credit history with easy and fast application

Updated: Apr 14, 2023

Advertiser Disclosure

This card isn't solely for people who are looking to establish a credit history. 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 with your credit score. This is the card that has an easy application and allows you to fix your credit. Fixing your credit isn't going to be quick, and isn't going to be an easy task. The whole Application process is quick, done online, 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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454 User Ratings

Milestone® Mastercard® - Less Than Perfect Credit Considered

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Introductory APR


Intro APR Period


Recommended Credit Score

Bad Credit OK

Key Features

  • Higher limit than before, still no security deposit required!
  • Prequalify for a card today and it will not impact your credit score
  • Simple application process with a quick decision
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Worry-free fraud protection if your card is lost or stolen
  • Account history is reported to the three major credit bureaus in the U.S
  • Card designs to fit your personality at no extra charge

Our Take

This Milestone Gold – Less Than Perfect Credit Considered card is catered to 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 building credit history is such a significant venture. If you’re looking to build your credit history and 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 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 fact that you don’t need good credit to qualify. 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 with 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, 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, cash advances are available in plenty of locations. The most important thing to take into consideration when you’re looking for a 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 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 is 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 good option for your payment history.

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 a 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 payment history 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: Concora Credit Inc
Network: Mastercard®
Category: Consumer (Regular)
Best Used For:
  • Cards for Bad Credit
  • Instant Decision
  • EMV Chip
  • Unsecured
  • Damaged 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*

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Additional Information & Comments

*Depends on creditworthiness

Non-Affiliate Offer Disclosure
*The information provided for Milestone® Mastercard® - Less Than Perfect Credit Considered is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.

Milestone® Mastercard® - Less Than Perfect Credit Considered

Reviews - (1 User Reviews)
Share your experience and rate the Milestone® Mastercard® - Less Than Perfect Credit Considered
May 19, 2022
Teddy (36-45) - Cardholder
Income on Application
Credit Score
Fair (580-669)
Credit Limit
Filed for Bankruptcy

Okay for bad credit

Milestone Mastercard is the first unsecured credit card I had in years. It’s not ideal, but in the few months I’ve been using it it’s impacted my score more than expected. I got fast approval, and the whole application process was streamlined. The credit limit is very low, and this is the biggest drawback for me. I expected all the fees, but it’s really difficult getting my finances in order with such a low limit. Still, I’m making it work, and I’m slowly building my credit history, so I’d recommend the card to those in a similar situation.
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Milestone® Mastercard® - Less Than Perfect Credit Considered

Milestone® Mastercard® - Less Than Perfect Credit Considered

Rec. Credit Score: Bad Credit OK

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