Milestone Gold Mastercard®
Consumer Reviews, Fees, Credit Score, Application & Best Alternatives
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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 offer, you can be sure no matter which offer you choose, you're going to get the gold card treatment.
- Prequalify for a card today and it will not impact your credit score
- Less than perfect credit is okay
- 24/7 access to your account information, even on mobile
- Card designs to fit your personality at no extra charge
- Account history is reported to the three major credit bureaus in the U.S.
- Read the Review of Milestone Gold Mastercard credit card
The Milestone Gold Mastercard is an excellent option for anyone looking to build their credit from scratch or 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.
- The fast online pre-qualification process
- Unrivaled approval ratings
- All Mastercard Gold benefits
- Card appearance customization
- Reports to all 3 major credit bureaus (See card Offers)
Credit Card Benefits
One of the most significant benefits of this card is the unparalleled approval ratings. The approval ratings are so high that no matter your credit score history (or even its existence), you're likely going to get approved for the card.
Even if you have had a prior bankruptcy, you're eligible for this card. It accepts all people into its fold, and the pre-qualification process doesn't cause a hard inquiry. A hard inquiry into your credit history might damage your credit score, making the whole credit reparation process kind of counterintuitive.
By applying for this card, you're guaranteed to have a quick application, pre-qualification, and approval process. 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.
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 an opening 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 can get a credit card for an excellent credit score. It comes jam-packed with cash-back features, airline miles, and a multitude of other features.
The card in question doesn't have any unique features all by itself. Still, it relies solely on all the Mastercard Gold benefits. The Mastercard Gold benefits are plentiful and include everything from luggage insurance, roadside assistance, payment protection, to advanced security features like identity theft protection.
If you're a frequent traveler, you're going to love the fact that the Mastercard based Milestone Gold is accepted in over 35 million spots all around the world, in over 210 countries.
It also has travel protection and a very reasonable foreign transaction fee, which is capped at 1%. All of these benefits make the Milestone Gold Mastercard an ideal option for any frequent traveler - or anyone looking to repair their credit score or build it from scratch.
Are There Any Disadvantages?
It would be a lie if we told you that this card doesn't come with some downsides. 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.
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.
When it comes to card management, it's all done through the internet. While the website itself is very streamlined and straightforward, it's a bit outdated. The website's management system works alright, but it's begging for a revamp and redesign. Some information is purposefully hidden from consumers, but redeeming qualities are highlighted.
The 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 building credit. But if you're not too accountable, you could be in for a world of hurt.
Should You Use This Card?
If you're a student who is just out of school - or 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 or building one from scratch.
This is supplemented by its unsecured nature, the fact that it reports to all three major credit bureaus (Explained), and its Mastercard Gold 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.
Read the full review of Milestone Gold Mastercard.
- Unparalleled approval ratings
- Fully online application and pre-qualification process
- Card customization features
- Reports to all three major credit bureaus
- All Mastercard Gold benefits
- Relatively high annual fee and APR
- Significant penalties and late fees
- Measly initial purchasing power
|Issuer:||Bank of Missouri|
|Review:||Full Card Review|
Rates & Fees
|Introductory APR (%):||N/A|
|Regular APR Type:||Fixed*|
|Annual Fee:||See Terms*|
|APR on Cash Advances:||29.90%*|
|Grace Period:||25 days*|
|Late Payment Fee:||Up to $40*|
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Milestone Gold Mastercard®
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