Milestone® Gold Mastercard®

Attractive credit card with credit reporting and fast pre-qualification

Updated: Oct 06, 2021

Advertiser Disclosure

How about a better credit card offer with more options? Maybe you'd like to know the offer before it affects your credit scores? We understand. It's why the Milestone Mastercard credit card from the Bank of Missouri is so different. All you have to do is to complete the pre-qualifying application and the Milestone tool lets you know if you're prequalified and for which offers. And because it's a Mastercard, you can be sure, you're going to get the premium card treatment.

ANNUAL FEE

See Terms

ONGOING APR

24.90%

INTRO APR

N/A

523 User Ratings

Milestone® Gold Mastercard®

at Milestone's Secured website

Apply Now

Introductory APR

N/A

Intro APR Period

N/A

Minimum Credit Score

Fair

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.

Our Take

The Milestone Gold Mastercard is an excellent option for anyone looking to repair their damaged credit.

Who Is This Card For?

As stated above, this is a perfect option for consumers who are looking to get rid of their bad credit. This card is purposefully designed around these people. All of its features are centered around maximal user experience, helping the user repair their tarnished credit, and user security. The approval rates are sky high, and utilizing the perks of the card is going to serve a vital role in any credit strategy. It makes a great card for any everyday spending endeavor, as it’s an unsecured card. Purchasing many relatively cheap things and paying all of your bills on time is going to improve your credit, as this card reports to all three major credit bureaus.

What are Milestone Gold Card Benefits?

  • Unrivaled approval ratings. No matter your credit score history, you’re likely going to get approved for the card. Even if you have had a prior bankruptcy, you’re eligible for this card. By applying for this card, you’re guaranteed to have a quick application, pre-qualification, and approval process.
  • No hard credit inquiries. The pre-qualification process cause a soft credit pull. A hard inquiry into your credit history might damage your credit score, making the whole credit reparation process kind of counterintuitive.
  • 3-bureaus credit reporting. When it comes to the credit reparation benefits of this card, the fact that it’s both unsecured and reported to TransUnion, Equifax, and Experian.
  • No security deposit required. Unsecured cards are held in higher regard with the three major credit bureaus, as they don’t require any initial security deposit. When you open this card, you’re going to be charged the annual fee depending on your credit score. Still, you’re not going to be charged a costly initial down payment fee. Continually improving your credit is going to improve your credit score to such an extent that you may get a credit card for an excellent credit score in the future.
  • Mastercard benefits. This card doesn’t have any unique features all by itself. It relies solely on all the Mastercard benefits. The Mastercard benefits are plentiful and include from Zero Liability Protection and Mastercard Global Services to advanced security features like Mastercard identity theft protection. If you’re a frequent traveler, you’re going to love the fact that the Mastercard based Milestone is accepted in over 35 million spots all around the world, in over 210 countries.
  • Low foreign transaction fee. It also has travel protection and a very reasonable foreign transaction fee, which is capped at 1%. All of these benefits make the Milestone Mastercard an ideal option for any frequent traveler – or anyone looking to repair their credit score.

Are There Any Disadvantages?

It would be a lie if we told you that this card doesn’t come with some downsides.

  • Low initial benefits. While there is no requirement for an initial down payment, the purchasing power that you start off with is very weak. It’s capped at only $300, making the card very unsuitable for larger purchases.
  • High interest and fees. If you’re an impulse shopper, you’re not going to like this card. Not only is its purchasing power very meek, it’s APR and purchasing fees are also relatively high. They’re capped a little above the industry standard, but it’s not that good to spend more money if you have a small amount of money to spend. If you, by any chance, miss out on a payment, you’re not only going to tarnish your credit score but get a late fee and penalty APR. Both of these can stack up quite a lot, thus ruining any chance of you repairing your credit score.
  • Slow customer support. Customer support is only available through the landline, and it can take quite some time to get to an actual operator.

Taking all of these things into consideration, you can utilize this card as long as you’re careful. If you’re responsible with your payments, you can experience an excellent tool for rebuilding credit. But if you’re not too accountable, you could be in for a world of hurt.

Should You Use This Card?

If you are someone with some prior credit history that’s not too good, you can consider utilizing this card. It’s an excellent card for repairing your less-than-ideal credit. This is supplemented by its unsecured nature, the fact that it reports to all three major credit bureaus (Explained), and its Mastercard features. If you’re looking to get a card that will give you airline miles, cash-back features, and many more, you’re going to have to earn it by getting your credit score to a high degree.

Getting your credit score up there is only going to be possible if you utilize a tool like the Milestone Gold, and use it properly. There is no magic card that will do this for you. The credit score is built by being responsible and working hard on improving your financial health.

Other Cards from Milestone

Frequently Asked Questions

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Basic Information
Issuer: Bank of Missouri
Network: Mastercard®
Category: Consumer (Premium)
Review: Full Card Review
Best Used For:
  • Unsecured
  • 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:
  • Annual Fee: $35 $99*
  • Returned Payment: Up to $40.00
  • Foreign Transaction Fee: 1%

Milestone® Gold Mastercard® Alternatives


Milestone® Gold Mastercard®

Milestone® Gold Mastercard®

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Annual Fee

See Terms

Regular APR

24.90%

Intro APR

N/A

Min. Credit Level

Fair

Additional Information & Comments

*Dependent on credit worthiness

IMPORTANT
*The information provided for Milestone® Gold Mastercard® 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® Gold Mastercard®

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Milestone® Gold Mastercard®

Milestone® Gold Mastercard®

Min. Credit Required: Fair

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