Milestone Gold Mastercard® review

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6.4/10
Informr score
The Milestone Gold Mastercard® currently has an Informr score of 6.4 out of 10. This score is based on our evaluation of 11 sources including reviews from users and the web's most trusted critics.

What's good

  • 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.

What's bad

  • Higher APR than some secured cards
  • Annual fee
  • No rewards
  • No signup bonus

Am I eligible?


Milestone Gold Mastercard® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Dough Roller

The card will offer you an opportunity to add a good credit reference to your credit report. That, along with other good credit references, will eventually help you to either build good credit from the ground up, or sufficiently offset bad credit history to improve your credit score. For both buildi...

- Kevin Mercadante, Dough Roller
Bad Credit

Similar to most subprime credit cards, the Milestone® card has an annual fee that can get a little pricey, depending on your credit, and the credit limit is, well, limited. But the card has no minimum credit score requirement to qualify and a rate that isn’t highway robbery, making the Milestone® Ma...

- Brittney Mayer, Bad Credit
Finder

If you have poor credit and have found it hard to get approved for other credit cards, then the Milestone® Gold Mastercard® may be an option for you. However, with an annual fee, high APR and expensive late and returned payment fees, this credit card could easily become more money than it’s worth. A...

- Megan Horner, Finder
WalletHub

Numerous credit cards offer approval to people with bad credit, but few will do business with the worst of the bunch. Someone with a bankruptcy on his or her credit report may even have trouble getting a secured credit card. But such a blemish is fine as far as Milestone® Gold is concerned, which is...

- John S Kiernan, WalletHub
ValuePenguin

This card charges no security deposit, but its high annual fees make it a bad choice compared to other top secured credit cards. While other card issuers charge security deposits, you can always get that money back when your credit improves and you close the account. The money you sink into the Mile...

- Bailey Peterson, ValuePenguin

Details


Interest Rates
Regular APR Interest Rate 24.9% (Variable)
Balance Transfer Interest Rate
Cash Advance Interest Rate 24.9% (Variable)
Rates & Fees
Annual Fee $35.00 - $99.00
Balance Transfer Fee
Cash Advance Fee 5%

- Minimum of $5 (not to exceed $100)

- $0 during the first year

Foreign Transaction Fee 1%

Of each transaction in U.S. dollars.

Over Limit Fee $39.00

Maximum

Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders No
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Additional Benefits

- Road Assistance

- Travel assistance services

- Choose your custom card design for free

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

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Critic Reviews


Dough Roller

Helps build your credit

from Dough Roller

The card will offer you an opportunity to add a good credit reference to your credit report. That, along with other good credit references, will eventually help you to either build good credit from the ground up, or sufficiently offset bad credit history to improve your credit score. For both bu...More

The card will offer you an opportunity to add a good credit reference to your credit report. That, along with other good credit references, will eventually help you to either build good credit from the ground up, or sufficiently offset bad credit history to improve your credit score. For both building credit and having a credit card available, the Milestone® Gold Mastercard® will be worth having.

Read full review

Less

Bad Credit

Flexible credit requirements & competitive rates

from Bad Credit

Similar to most subprime credit cards, the Milestone® card has an annual fee that can get a little pricey, depending on your credit, and the credit limit is, well, limited. But the card has no minimum credit score requirement to qualify and a rate that isn’t highway robbery, making the Milesto...More

Similar to most subprime credit cards, the Milestone® card has an annual fee that can get a little pricey, depending on your credit, and the credit limit is, well, limited. But the card has no minimum credit score requirement to qualify and a rate that isn’t highway robbery, making the Milestone® Mastercard® a solid option for those who need to rebuild credit.

Read full review

Less

Finder

For those looking for a basic card to get approved for with bad credit

from Finder

If you have poor credit and have found it hard to get approved for other credit cards, then the Milestone® Gold Mastercard® may be an option for you. However, with an annual fee, high APR and expensive late and returned payment fees, this credit card could easily become more money than it’s w...More

If you have poor credit and have found it hard to get approved for other credit cards, then the Milestone® Gold Mastercard® may be an option for you. However, with an annual fee, high APR and expensive late and returned payment fees, this credit card could easily become more money than it’s worth. Also keep in mind that customers have sited being stuck with its original minimum credit limit of just $300 and have complained about poor customer service, too.

Read full review

Less

WalletHub

Available to people with very bad credit

from WalletHub

Numerous credit cards offer approval to people with bad credit, but few will do business with the worst of the bunch. Someone with a bankruptcy on his or her credit report may even have trouble getting a secured credit card. But such a blemish is fine as far as Milestone® Gold is concerned, whic...More

Numerous credit cards offer approval to people with bad credit, but few will do business with the worst of the bunch. Someone with a bankruptcy on his or her credit report may even have trouble getting a secured credit card. But such a blemish is fine as far as Milestone® Gold is concerned, which is quite important when you consider that credit cards are by far the best credit-rebuilding tools available to consumers. 

Read full review

Less

ValuePenguin

A poor choice, even for those with poor credit

from ValuePenguin

This card charges no security deposit, but its high annual fees make it a bad choice compared to other top secured credit cards. While other card issuers charge security deposits, you can always get that money back when your credit improves and you close the account. The money you sink into the M...More

This card charges no security deposit, but its high annual fees make it a bad choice compared to other top secured credit cards. While other card issuers charge security deposits, you can always get that money back when your credit improves and you close the account. The money you sink into the Milestone® Gold Mastercard® is gone forever, making it a terrible investment—especially since you get next to nothing in return for these fees.

Read full review

Less

Doctor Of Credit

There are better options

from Doctor Of Credit

That being said, that’s a pretty low bar to jump over. This card is still awful, why pay an annual fee of up to $99 for a card with no real benefits (it does come with Mastercard Gold benefits) and no rewards program. People with bad credit always think they have no options, but that is simply not the case.

Read full review

That being said, that’s a pretty low bar to jump over. This card is still awful, why pay an annual fee of up to $99 for a card with no real benefits (it does come with Mastercard Gold benefits) and no rewards program. People with bad credit always think they have no options, but that is simply not the case.

Read full review

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HighYa

A credit card for those with bad credit

from HighYa

Your bad credit scores may not stand in the way of getting the Milestone Mastercard, a card with limited benefits and high fees that can be a tool for you to raise your credit scores.

Read full review

Your bad credit scores may not stand in the way of getting the Milestone Mastercard, a card with limited benefits and high fees that can be a tool for you to raise your credit scores.

Read full review

Less

Cardcruncher

Expensive card for subprime credit

from Cardcruncher

If you really need a credit card and your credit history gets you declined by most banks, the Milestone Gold MasterCard is one option to help you turn that around. But as soon as your credit score is high enough to get you access to better cards, drop this one like a hot potato.

Read full review

If you really need a credit card and your credit history gets you declined by most banks, the Milestone Gold MasterCard is one option to help you turn that around. But as soon as your credit score is high enough to get you access to better cards, drop this one like a hot potato.

Read full review

Less

The Balance

Aimed at applicants with poor credit

from The Balance

When it comes to subprime credit cards, the Milestone Gold MasterCard is one of the better ones. Despite the potentially high annual fee and low credit limit, the Milestone Gold MasterCard has a relatively low APR, especially when compared to the First Premier Bank Credit Card’s 36% APR.

Read full review

When it comes to subprime credit cards, the Milestone Gold MasterCard is one of the better ones. Despite the potentially high annual fee and low credit limit, the Milestone Gold MasterCard has a relatively low APR, especially when compared to the First Premier Bank Credit Card’s 36% APR.

Read full review

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MoneyUnder30

Can help you build or rebuild your credit

from MoneyUnder30

The Milestone® Gold Mastercard® is a golden opportunity for people with bad credit, no credit, or bankruptcy in their past. The annual fees are lower than some credit cards. Plus, you get the assurance of global acceptance at over 33 million stores across 210 countries. While no reward program...More

The Milestone® Gold Mastercard® is a golden opportunity for people with bad credit, no credit, or bankruptcy in their past. The annual fees are lower than some credit cards. Plus, you get the assurance of global acceptance at over 33 million stores across 210 countries. While no reward program is offered with the Milestone® Gold Mastercard®, you’ll still get the advantage of building credit in an easy, non-secured way, making this a good choice for those who are having trouble getting approved elsewhere.

Read full review

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User Reviews


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