Milestone® Gold MasterCard®

  • Quick pre-qualification available with no impact to your credit score
  • Fast and easy instant decision
  • Choose your custom card design - Free
  • Free online account access
  • Zero Liability – you’ll never be held liable for unauthorized charges made to your card
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK
Annual Fee:
Purchase Intro APR:
Purchase Regular APR:
Balance Transfer Intro APR:
Balance Transfer Regular APR:

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate See Terms
Cash Advance Fee See Terms
Late Fee See Terms
Penalty APR 29.9%
Balance Transfer Fee See Terms
Foreign Transaction Fee 1%


Savings over 1 year ‑$35
Savings over 3 years ‑$105

Transaction Type Value

Savings Details

How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
A Great Credit Rebuilding Card!
by Erusidhion
Helpful to 28 out of 33

    This is one of the better sub-subprime cards to build your credit with! The only downside is this has an annual fee which is billed yearly on the anniversary of the day you opened your credit card with them. Their annual fees are $35, $59 and then $75/$99 thereafter. It depends on what your credit score is like on which card they'll give to you. The interest rate is 23.90% across the board for purchases and cash advances. You can pre-qualify for this card on their website with no impact to your credit score to see if you are able to get this card.

    I have owned this credit card since April 22, 2015. I just put a small charge on it monthly to show some usage. I was only given a $300 limit so I really don't use it for bills, etc since you can max out the utilization pretty quick if you don't pay in full by the time the statement cuts. Overall, the website and method to make payments has been very easy so far. It seems you cannot initiate credit limit increases on this card on the website. I believe they're given when your account is reviewed periodically throughout the year.

    I definitely recommend this to anyone coming out of bankruptcy, multipel chargeoffs, etc if you can get it. Even if it's just used to build a good credit history on your credit reports. It's one of the better cards for sure with no initial investement except for the annual fee! Good luck!

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
not unless it's the ONLY game in town ..
by Nevele
Helpful to 33 out of 33

 Have had it for 2 years, but am cancelling before the (next) Annual Fee, which is a HEFTY $75 (apart from FEEs for EVERY-thing you might do, EXCEPT no fee for CreditLimit increases, because there aren't ever going to BE any .. something made clear to You only AFTER you hook-up with them and then discover that among the FAQ's, once you're a "Member" .. that as a matter of Policy, they don't have any such feature as even being able to request a CRL increase. Basically that's so that You CAN utilize their (1) available option of opting-IN for Overlimit payouts (which they approve & encourage, so that they can assign a HEFTY FEE each time that occurs .. and You DON'T wanna GO there). Meanwhile, what little actual "support" or C.svc is available is available online, and strictly LTD., but in fairness, the ONE aspect of this card not misrepresented and which you CAN rely on is:  they actually DO report the card monthly to the 3 usual outfits ..  and so if THAT's crucial to your Basic Strategy, getting a minor bump from having an Additional Account OPEN, and a little more of a rise for on-time payments .. then Milestone has a lightweight role to play perhaps; just don't go actually spending INTO it, and definitely weigh that HEFTY annual FEE which comes with the card and the initial Statement, etc.  IF You're not entirely tapped-out, it might be worth considering "INVESTING" in a stratgey for improving your Score and TrackRecord .. and

in THAT respect (and ONLY in that respect) should You consider playing this Card .. since it will never be good for more than that, and the interest rates are HIGH (as they NEED to be for MILEstone to get their MILEage OUT of you with such a minimal Credit Ceiling .. plus sever fees). NOT unique or even shocking ..  I mean hey-- we're swimming IN predator-infested waters .. so, yeah- sometimes it comes down to: even grabbing one of those toothy *******s by the tail as a means to get dragged-out of these Shark-infested Waters .. trick is: to somehow manage to DO that, or just tread water long-enough .. without getting EATEN.


Our Take

If you have fair credit and are looking for a card to establish or rebuild your credit health, the Milestone® Gold MasterCard® is worth your consideration.

What to Like

The Milestone® Gold MasterCard® offers credit lines starting at $300 and consumers still working on establishing or building their credit can qualify. The card will report to all three major credit bureaus, making it a good option for building credit.

Look Out For

This card comes with an annual fee ranging between $35 and $99 (depending on credit), and a one-time $25 fee for each authorized user. It also has a relatively high interest rate, so it’s important to pay off your balances in full each month.

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† We look at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there’s no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from May 2015 through October 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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