| Rewards | None. |
|---|---|
| Signup Bonus | None. |
| Annual Fee | $75 the first year, then $99 annually, or $175 the first year, then $49 annually, with some versions also charging a monthly maintenance fee after the first year. The exact fee structure depends on your credit profile and the offer you receive. |
| Cardmember Agreement | View Here |
| Cash Advance APR | 29.90% |
| Cash Advance Fee | $0 during the first year; after the first year, the greater of $5 or 5% of the cash advance amount (up to $100) |
| Late Payment Fee | Late payment fees can be up to $40. |
| Purchases APR | 24.90% |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Milestone® Gold Mastercard® Credit Card is best known as a credit-building card for people with fair or poor credit. It doesn’t offer a traditional rewards program or a signup bonus, and its annual fee varies depending on the offer you qualify for.
Most users say the biggest advantage is that it’s unsecured, meaning no security deposit is required, and it reports to all three major credit bureaus. Many reviewers mentioned that making on-time payments helped them improve their credit profile over time, and they appreciated being approved when other cards turned them down.
On the downside, many cardholders complain about the high annual fees, relatively high APR, and the lack of rewards or meaningful perks. Some reviewers also mention that the credit limit can be low, making it less useful for everyday spending beyond building credit.
Personally, I think the Milestone Gold Mastercard is a reasonable option if your main goal is rebuilding credit and you don’t qualify for better unsecured cards. However, if you have access to a lower-fee credit-building card or one that offers rewards, you’ll likely get better long-term value elsewhere.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
S
good
I got this when my credit score wasn't great, and honestly it helped more than I expected.
W
Pay on time
As long as you pay your statement balance each month, it's not a bad card to have handy. It's interest rates are a little high but coincides with your credit report.
D
Not for me
The wait for customer service is ridiculous! The card never work unless I'm at a gas station. It didn't even work in a local Walmart! Pay it off and I'm done. Thanks for the opportunity to raise my credit score but I'll stick with the Visa.
K
Been OK for me
I have had the card for about 6 months now. I knew the initial fee and the annual fee and the interest rate and agreed to all. The sums are high, but then this is a card for establishing or increasing your credit score. It is not really designed for everyday use although I am sure they love to see it.
I have had no problems. I have not needed to contact CS so I cannot comment on that but I have not had any surprises and have paid my bills on-time while carrying about an 80% balance to my $350 limit. They have reported promptly to the credit bureaus.
I think for my above stated purpose, this card is fine. Within a couple of more months, my credit score should be up enough to get a real card and dump this one, but I have been glad to have it.
T
Mr A
Haven't had the card long get back to you in about 6mos
W
Yuck ...
This subprime card is garbage. Annual fee, etc is a joke. You only get this card if you have no options. CS people are actually ignorant.. Stay away...
