Milestone® Gold MasterCard® Reviews

Approval Odds

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1.6 out of 5 stars
87 Reviews

From Cardholders in the last year

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Application Process

2.5 out of 5 stars

Customer Service

1.5 out of 5 stars

1.5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR Not Applicable
  • Annual Fee $35-$99
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 23.90%* Variable

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.


Most Helpful Positive Review

Dec 01, 2016
Help your credit rating
Anonymous Cardholder

If you have low or fair credit, this card is not too hard to get.  The application process was quick and easy.  I had an answer within minutes.  This card is helping me to build my credit rating.  There is an annual fee, but when no one else will give you a credit card this is to be expected.

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Most Helpful Negative Review

Apr 29, 2017
Use only to rebuild credit.
tampa300 Cardholder

I've had the MIlestone card for 2 years now. They approved me just 2 months after Chapter 7 discharge in 2015 with $300 credit limit. I've never had issues with the card as i've used it properly and responsibly. It's not a long term card to have by any means. They charge me a $99 annual fee that hits the card in one shot every November. If it were broken down to 12 monthly charges of $8.25 like some of these type of cards do, I could live with it better, but that $99/fee all at once hurts! 

Another thing I don't like is that if you make a huge payment to pay down the balance to zero, they can hold the funds for days and days showing "pending" on your account even well after the check clears at your bank. It's not right, especially when you specifically pay down the card to zero because you need to rent a car the following week or make a similar large purchase. There's absolutely no excuse to hold payments hostage like that after the bank has cleared the funds to them. 

I'm cancelling the card before the next $99 annual fee hits and moving on. I now have both Cap One Quicksilver and Platinum Cards and I swear by them as one of the best credit cards out there so I no longer need the Milestone card, however it DID serve it's purpose of helping to restablish my tarnished credit so they get 3 stars for that. If your credit is shot and you need to rebuild, get the card, suck up the big annual fee and after a year or 2, move on to better cards and drop it. Go for the Cap Ones, they treat you right!

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These reviews were written by current and former cardholders in the last year.

Aug 19, 2017
jackieovirgo Cardholder

I applied for this card about a year ago so far I haven't had no problems. The annual fee is high! I only use this card to build my credit.

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Aug 16, 2017
Bad business decision
Nreeldeep Cardholder

Incredible $99 annual fee which is immediately taken from your initial $300 balance. No credit limit increase. Ever. Go with Capital one Quicksilver, which gives cash back on all purchases or Platinum which will raise your credit limit automatically after 6 months of on time payments.

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Aug 14, 2017
chuxdaddy Cardholder

While I appreciate them giving me an opportunity to rebuild my credit, I can not recommend this card.  Although my APR was 23.90, which is lower than 2 of 3 of my Capital One Cards, there is no chance of increasing your credit limit over time.  Each CO card, gave me a credit limit increase after making my first 5 or 6 payments on time, and then 6 months later.  This card specifically states there are NO credit limits increases.  Buyer beware.

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Aug 13, 2017
Leave this card alone
Anonymous Cardholder

Worst card customer service ever!! Don't do it!!

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Aug 10, 2017
Anonymous Cardholder

The worst company ever to deal with it

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Aug 10, 2017
Not too bad
Anonymous Cardholder

I applied for this card in all my scores are low 600's. I got the $300 limit, which seems to be the standard. The application was simple and fast. It did take about 10 days to get the card, which already had a $75 fee on it. I signed up with them online, and just made my first payment with my checking account. It took 2 days to be taken from my account, which is normal. On the 3rd day my available credit was posted. I don't know why people are complaining about when funds are available. I got this card to help with my overall credit utilization. The initial hit for getting it took me down 15pts, but within 2 weeks my scores went up 34pts. I will update later if I encounter a problem. 

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Aug 09, 2017
High Annual Fee
ConsumerLV Cardholder

I applied for the card received a $300 credit limit less all their fees which are astronomical I never activated the card I cancelled the card I suggest you do not get this card it's not worth the annual fee

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Aug 07, 2017
thejoshw Cardholder

I was fairly skeptical about this card after reading some of the reviews, but I thought I would try it. My card came, and I went online to activate it (which is the only way to activate it). I put in all my information, and was told that my account could not be activated because my information was incorrect. So I called customer service and asked what the issue was. I verified all my info, and was told that my birthdate was wrong. I informed them I know the date of which I was born, and they must have the wrong information. I asked what they had as my birthdate, and was told they could not provide me with that. I was told that I could file an appeal, and send them copies of my birth certificate and drivers license, and once they had all that, they would reopen my account. I just said not to worry, it's not worth the hassle, and close down everything.

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Aug 06, 2017
Worst card ever!
Anonymous Cardholder

You never get a credit increase no matter how good your history and intone payment you make. High intrest and annual fee! I don't recommend this card at alll!

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Aug 06, 2017
Don't do it! You've been warned.
iammaldo Cardholder

Wow, just wow. I don't even know if words can begin to explain how terrible this card and company are. No matter how bad you need to improve your credit do NOT use this company and get this card. Terrible fee's, card does not work, their online payment does not work, customer service is horrible. I could go on but just let me explain one last time. AVOID THIS CARD LIKE THE PLAGUE!

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Sample Size: 1,734
Data Created: February 02, 2015

Note: Sample data consists of Credit Karma members who hold this card.
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† Credit Karma looks 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 and typical low score to the 5th 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 June 2014 through November 2014. 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.

Milestone® Gold MasterCard®