Does the Milestone Mastercard annual fee come out of the credit card?
7
UpvotesReply
Max Smith
The Milestone credit card annual fee will automatically be charged to your card. It'll be just like a regular purchase, basically.
Milestone® Mastercard® - Less Than Perfect Credit Considered
Milestone® Mastercard® - Less Than Perfect Credit Considered
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Sponsored Card
APR4,454Reviews88Q&AContact
APREditor ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Fair Credit, Bad Credit
Fees
One-Time Fees$0
Annual Fees$35 - $99*
Monthly Fee$0
APR on Purchases
24.9%
Editor's Take
by John Kiernan
April 20th, 2022
Milestone Credit Card Pros & Cons
No processing or monthly fees
Available to people with bad credit, even after bankruptcy
Relatively low APR for the segment
Membership fees
No rewards
No rewards bonus
No intro APR on purchases
Milestone Credit Card's Additional Info
| cash advance fee | None 1st yr, either $5 or 5% after |
| cash advance APR | 29.9% |
| foreign transaction fee | 1% |
| smart chip | No |
| max late fee | $40 |
| max overlimit fee | $40 |
| max penalty APR | 29.9% |
| grace period | 25 days |
Prequalify for a card today and it will not impact your credit score
Less than perfect credit is okay
Mobile account access at any time
Protection from fraud if your card is stolen
Account history is reported to the three major credit bureaus in the U.S.
Disclaimers: *Dependent on credit worthiness
Milestone Credit Card Reviews FAQ
Don't see what you're looking for? Submit your question about Milestone® Mastercard® - Less Than Perfect Credit Considered to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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Does the Milestone Credit Card do a hard pull?
6
UpvotesReply
Elijah Nash
Yes, the Milestone Credit Card will do a hard pull. You can apply for it with bad credit though.
You can prequalify for the Milestone Credit Card here, which will not affect your credit score as it will be a soft pull. However, if you do prequalify and... show more
Where can I get the Milestone Mastercard mobile app?
6
UpvotesReply
How soon after activation can I use my Milestone Credit Card?
6
UpvotesReply
Frieda Reiss
You can use your Milestone credit card immediately after activating it.
How long does it take to receive a Milestone credit card?
6
UpvotesReply
Joseph Bulebush
It takes up to 14 business days to get a Milestone Credit Card in the mail after being approved, in most cases. You could be approved for a Milestone Credit Card almost instantly if you apply online after receiving pre-approval.
What is the Milestone Credit Card income requirement?
6
UpvotesReply
Syd Jones
There isn't a minimum income requirement for the Milestone credit card, but you will need an income as well as the means to prove it.A credit card issuer has to make sure you are able to repay your balance, but approval won't depend on the actual icome you have.
Do I need to pay a security deposit for the Milestone Credit Card?
6
UpvotesReply
Peter Fox
No, you do not need to pay a security deposit for the Milestone Credit Card. That's because this is an unsecured credit card.
A security deposit is required when you open a secured credit card account and it acts as a credit limit. This way, it prevents the... show more
Does Milestone Credit Card offer rental car insurance?
6
UpvotesReply
Frankie Solomon
The Milestone Credit Card does not offer a rental car insurance benefit. Even though the Milestone Credit Card doesn't have rental car insurance, this perk is one of the handful of credit card benefits that still come with many credit card offers. If you'd like a credit card with rental... show more
How can I rent a car with my Milestone Mastercard?
5
UpvotesReply
Elias Chambers
You can rent a car with your Milestone Mastercard by using it as a payment method at virtually all car rental places. You only need to have enough available credit to accommodate the hold that the rental agency will put on your card.
The Milestone credit card includes a... show more
What unsecured credit cards can I get with a score of 630?
5
UpvotesReply
James bronzz
The best unsecured credit cards you can get with a credit score of 630 are the Credit One Bank® Platinum Visa® and the Indigo Credit Card, and even those aren't great when it comes to rebuilding credit, because they come with annual fees, low credit limits and high interest... show more
Compare The Milestone Credit Card
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR24.9%
Regular APR17.64% (V)
Regular APR35.9%
Rewards RateNone
Rewards RateNone
Rewards RateNone
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Milestone Credit Card Video Review
Milestone Credit Card Reviews
Share your insights and review the Milestone® Mastercard® - Less Than Perfect Credit Considered
3.5
4,454 reviews
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4 Star Rating
Verified CustomerI enjoy this card except for the $189 annual fee that I was not made aware of it until it was billed to me. So I paid the card off and canceled it.
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1 Star Rating
I was late 1 month when my husband died. I made up the pymts-they charged me $160.00 in late fees & overlimit fees. Avoid card.
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2 Star Rating
Verified CustomerIt is a good card for starting but they have high fees and high interest rate. I got a capital one which is a better card no annual fees
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5 Star Rating
Verified CustomerGood card to have. Wish they would increase my credit limit after nearly two years a cardholder and making all of my timely payments. For the most part I pay my bill in full monthly, but no reward for doing so.
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5 Star Rating
Verified CustomerGood card and easy monitoring and customer service I plan on using this card for a very long time and it will bet u go over ur limit if u do it by mistake
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3 Star Rating
Verified CustomerNa this is a good card and sets limits which very well needed and so on. But yes these are good people and they don't have a turnover rate
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4 Star Rating
Verified CustomerIt is expensive to buy credit in order to build a better score for years to come. It is truly staggering how many things important to us are credit score tied.
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5 Star Rating
Verified CustomerI have loved this card since I got it.. I can use it anywhere and I’m hoping that I will be able to increase the credit limit soon
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5 Star Rating
Verified CustomerWith less perfect credit, this card will help build it back better with making your payments on time or paying more than required at each payment.
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2 Star Rating
I have had my Milestone Card for 13 months and have 13 on-time payments, paid off monthly balances, and kept the balances under 30%. I called today (3/17/22) asking to see if they would be able to give me a credit limit increase and I was told that customer service (866-453-2636) "isn't authorized to speak on credit limit increases but that my specific account does not have the feature for credit limits." HUH? So I asked them to provide me information (a website, a supervisor, or another department) about my account, but they said they do not have that information. I even went on my account and clicked on "Cardmember Agreement" and I had to enter my address and it states that "You can request a copy of your Cardmember Agreement. Your agreement will be sent via USPS within 30 days." 30 Days?! I have no idea how much my annual fee will be because I no longer have the information that was mailed but I hope it's not $175 that everyone is posting about. I think this is really sketchy and will be canceling this card soon.
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Review Milestone® Mastercard® - Less Than Perfect Credit Considered
Expert Thoughts on Milestone Credit Card
To help people learn more about the Milestone Mastercard, WalletHub posed the following questions to a panel of experts. You can see who they are and what advice they had to share below.
- What advice do you have for someone with bad credit who wants an unsecured credit card?
- Does it ever make sense to pay interest at a 25% APR?
- Do you think people with bad credit are more likely than other consumers to apply for a credit card from a company without much name recognition?
David Wilhelm
Associate Professor, Business, San Diego Miramar College
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Associate Professor, Business, San Diego Miramar College
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Virginia Solis Zuiker
Ph.D., AFC®, Associate Professor, Family Social Science, University of Minnesota, College of Education and Human Development
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Ph.D., AFC®, Associate Professor, Family Social Science, University of Minnesota, College of Education and Human Development
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Anita B. Pasmantier
Ph.D., Professor of Finance, Fulbright Scholar, Bloomfield College
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Ph.D., Professor of Finance, Fulbright Scholar, Bloomfield College
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Kershen Huang
Ph.D., Associate Professor of Finance, Huizenga College of Business and Entrepreneurship, Nova Southeastern University
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Ph.D., Associate Professor of Finance, Huizenga College of Business and Entrepreneurship, Nova Southeastern University
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Barbara O'Neill
Ph.D., CFP®, CRPC, AFC®, CFEd, CPFFE, Distinguished Professor Emerita, Rutgers University, Owner/CEO, Money Talk: Financial Planning Seminars and Publications
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Ph.D., CFP®, CRPC, AFC®, CFEd, CPFFE, Distinguished Professor Emerita, Rutgers University, Owner/CEO, Money Talk: Financial Planning Seminars and Publications
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Julie R. Hollinshead
CFA, Adjunct Faculty, Department of Finance, Mike Ilitch School of Business, Wayne State University
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CFA, Adjunct Faculty, Department of Finance, Mike Ilitch School of Business, Wayne State University
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Offer last updated: Apr 20th, 2022 at 17:00 ET