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Milestone® Mastercard® - Less Than Perfect Credit Considered

Consumer Reviews, Fees, Credit Score, Application & Best Alternatives


Updated: Nov 20, 2020
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This card isn't solely for people who are looking to build their credit score from scratch. 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 the Milestone Gold 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. It's going to take a lot of time and devising a credit reparation strategy.

When you have devised a great credit reparations strategy, you're going to need a beneficial unsecured card to aid you on your credit reparation journey. Since this card reports to all the three major credit bureaus and comes with plenty of credit reparation benefits courtesy of Mastercard Gold, it's an ideal credit reparation tool candidate. Some people simply can't wait to get into their credit reparation, and that's why the whole application and pre-qualification process is so 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 an important stepping stone to greatness.

ANNUAL FEE:

See Terms*

ONGOING APR:

24.90% (Fixed)*

INTRO APR:

N/A

453 User Ratings Milestone® Mastercard® - Less Than Perfect Credit Considered

at Bank of Missouri Secured website

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Introductory APR
N/A
Intro APR Period
N/A
Minimum Credit Score
Fair*

Key Features


  • Instant pre-qualification is available for those who qualify
  • 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.
  • Read the Review of Milestone Mastercard - Less Then Perfect Credit Considered
$ 1 2020-11-24 InStock

Our Take


This Milestone Gold credit card is catered around people who have less than ideal 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 ...

This Milestone Gold credit card is catered around people who have less than ideal 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 this 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.

The Key Highlights


  • Lighting fast pre-qualification process
  • No hard inquiry into your credit score
  • Reports to all three of the major credit bureaus (Explained)
  • Unsecured card
  • Packed with Mastercard credit rebuilding features

Credit Card Benefits


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 not only for people who want to repair their suffering credit score, but it's also for absolutely anyone. Since it has a couple of features to it, which make it ideal as a credit reparation tool, it's a great option overall.

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. 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. This is why cash advances are a thing. Cash advances are essential, and since most ATMs around the world accept Mastercard (See VISA Card Offers), 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.

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 Gold, it comes with a wide assortment of features, such as:

  • Extended warranty coverage
  • Price protection
  • Mastercard rental insurance
  • Travel assistance services
  • Mastercard roadside assistance services

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 it's notable security features are it's 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 building your credit score up.

Are There Any Disadvantages?


In short, yes. No good thing in life comes without a price, but the disadvantages are well worth the benefits. While the purchasing power is capped at a relatively low cost of a mere $300, it could serve a grand purpose in helping you purchase more carefully.

You need to know that there might be an initial credit card opening fee. This optional fee isn't up to you to decide, but the credit score. Sure, you're going to get accepted for this card in 99.9% of the time, but if your credit score is abysmal, you're going to be charged a card opening 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.

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 building efforts back by quite a while.

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.

When you're looking to get this card, prepare yourself for some hardship when you're trying to repair your credit. We suggest reading our review and getting informed on the matter before you decide to get this card.

Should You Use This Card?


This card is a credit reparation and credit building card. If you have a bad credit score or no credit score at all, 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 skyrocket in no time.

Read the full review of Milestone Mastercard - Less Then Perfect Credit Considered.


Pros

  • Reports all payments all three relevant credit bureaus
  • Has many useful credit reparation and security features
  • Ideal for building credit from scratch and repairing your credit score
  • Has a relatively low foreign transaction fee

Cons

  • Has all the regular fees associated with it, and no unique benefits
  • No cash back, airline, or bonus features whatsoever
  • Can ruin your credit score if you're not careful

Basic Information

Issuer: Bank of Missouri
Network: Mastercard®
Category: Consumer (Regular)
Review: Full Card Review
Common Uses:
  • Instant Decision
  • Unsecured Cards
  • Building Credit
  • Pre-Qualification
Rewards: No
 

Rates & Fees

Introductory APR (%): N/A
Applied Towards: N/A
Intro Period: N/A
Regular APR: 24.90%
Regular APR Type: Fixed*
Annual Fee: See Terms*
Balance Transfer: No*
APR on Cash Advances: 29.90%*
Grace Period: 25 days*
Late Payment Fee: Up to $40*
 

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Additional Info & Comments

*Dependent on credit worthiness



IMPORTANT
*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 November 20, 2020. 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.
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Min. Credit Required: Fair*