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Milestone Gold Mastercard®

Requires sign in
Rewards Rate
N/A
Sign Up Bonus
N/A
Typical Credit Score
Bad, Fair
Milestone Gold Mastercard®
Milestone Gold Mastercard®
Pros & Cons
  • 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.

  • None
Rated Best for:
Milestone Gold Mastercard

Who is the Milestone Gold Mastercard for?

If you’re new to owning a bank account or trying to establish credit, this could be the card you’ve been looking for. This card is among the best for new and inexperienced cardholders. This card has the rare “no credit line” policy, meaning they won’t take your credit score into account when deciding whether or not to approve you for the card.

Upon attaining this card, you will not need to link any bank accounts. In fact, if you have recently declared bankruptcy in the last few months or year, you can still get this card. Probably one of the most exciting features of this secured credit card is that all money that is initially deposited into this card will be used as a credit line. With a credit line, money can be taken out from your bank account under your bank’s name and be repaid with minimal interest. Unlike most credit cards, the ability to build credit is also a feature that comes with this card. With monthly reporting to the three major credit bureaus (TransUnion, Equifax, and Experian), your creditworthiness becomes more known and slowly improves.

One thing that should absolutely be noted about this card is its higher variable APR rate. For most secured credit cards, the variable APR will be much lower than traditional credit cards. This card has an ongoing APR of 24.90%, which is definitely something to watch for when making a purchase.

Rewards Rate

Something very interesting about this card is it doesn’t have typical bonus rewards points, therefore, it doesn't have redeemable rewards points either. This card is for those who are just starting out and trying to figure out how to establish a great credit score.

Benefits and Credits

The no credit check that this card offers is another huge bonus. With no need to worry about bad credit or non-existing credit, getting approval for this card is relatively easy. If you’re a recent college graduate looking for work, this card is great to start out with. If you’re currently in college and looking to get a head start on your finances for the future, opening a credit card connected to the three major credit bureaus would be a positive start to personal gains in raising credit score.

You can also choose whatever images you would like on this card. If you want to see butterflies, sunflowers, or anything really, you can make it so with no extra charges.

Welcome Bonus

While this card has no welcome bonus, it is still a great starter card for those with lower credit scores.

Annual Fee

This card has a high annual fee between $35-$99. While the introductory fee is only $35, it increases until it reaches $99 annually. This can be seen as quite expensive, and therefore should be taken into consideration when applying. 

Conclusion

If you have established credit and aren’t looking to upgrade your credit score, this probably isn’t for you. If you’re someone who wants to get into a better credit score standing, either because you’ve never had one or because of some untimely purchases, this could be the card to set you on the right path.

Complete Card Details
Rewards Rate
N/A
Welcome Bonus
N/A
Typical Credit Score
Bad, Fair
Intro Annual Fee
$35
Annual Fee
$99
Additional User Annual Fee
N/A
Foreign Transaction Fee
1%
Intro Purchase APR
N/A
Regular Purchase APR
24.90%
Cash Advance Fee
5%
Cash Advance APR
29.90%
Late Fee
$40
Intro Balance Transfer APR
N/A
Regular Balance Transfer APR
N/A
Penalty APR
N/A
Balance Transfer Fee
N/A
Return Payment Fee
$40
Minimum Deposit
N/A
Credit Card Network
Mastercard
Credit Card Issuer
Bank of Missouri
Milestone Gold Mastercard® FAQ

What is the minimum credit score required to apply for Milestone Gold Mastercard®?

This information is currently not available. Please refer to the card terms and conditions for more details.

What is the minimum deposit required for Milestone Gold Mastercard®?

There is no minimum deposit required for this credit card.

What is the Intro Annual Fee for Milestone Gold Mastercard®

The Intro Annual Fee for this credit card is $35.

What is the Annual Fee for Milestone Gold Mastercard®

The Annual Fee for this credit card is $99.

What is the Intro Purchase APR for Milestone Gold Mastercard®

The Intro Purchase APR for Milestone Gold Mastercard® is not available at the moment. Please check the terms for more details.

What is the Regular Purchase APR for Milestone Gold Mastercard®

The Regular Purchase APR for this credit card is 24.90%.

What is the Intro Balance Transfer APR for Milestone Gold Mastercard®

The Intro Balance Transfer APR for Milestone Gold Mastercard® is not available at the moment. Please check the terms for more details.

What is the Regular Balance Transfer APR for Milestone Gold Mastercard®

The Regular Balance Transfer APR for this credit card is not available at the moment. Please check the terms for more details.

What is the Cash Advance APR for Milestone Gold Mastercard®

The Cash Advance APR for Milestone Gold Mastercard® is 29.90%.

What is the Cash Advance Fee for Milestone Gold Mastercard®

The Cash Advance Fee for this credit card is 5%.

What is the Late Fee for Milestone Gold Mastercard®

The Late Fee for this credit card is $40.

What is the Penalty APR for Milestone Gold Mastercard®

The Penalty APR for this credit card is not available at the moment. Please check the terms for more details.

What is the Balance Transfer Fee for Milestone Gold Mastercard®

The Balance Transfer Fee for this credit card is not available at the moment. Please check the terms for more details.

What is the Min. Balance Transfer Fee for Milestone Gold Mastercard®

The Min. Balance Transfer Fee for this credit card is not available at the moment. Please check the terms for more details.

What is the Foreign Transaction Fee for Milestone Gold Mastercard®

The Foreign Transaction Fee for this credit card is 1%.

What is the Return Payment Fee for Milestone Gold Mastercard®

The Return Payment Fee for this credit card is $40.
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