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Milestone® Mastercard® - Less Than Perfect Credit Considered

Milestone® Mastercard® - Less Than Perfect Credit Considered

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Fees

One-Time Fees$0

Annual Fee$35 - $99*

Monthly Fee$0

APR on Purchases

24.9%

WalletHub Review

by John Kiernan

January 31st, 2023

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

High regular APR

Foreign fee

Milestone Credit Card Review

The Milestone Credit Card is a good card for people with credit scores below 640 who don't want to put down a deposit. The Milestone Card can be worthwhile because it has a $0 security deposit requirement and offers a $300 credit limit, with an annual fee of $35 -... show more

View 4562 User Reviews

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

smart chip

Yes, chip-and-PIN

max late fee

$40

max overlimit fee

$40

max penalty APR

29.9%

grace period

25 days

Apply Now

at Genesis Financial Solutions' secure site

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

*Dependent on credit worthiness

Apply Now

at Genesis Financial Solutions' secure site

Milestone Credit Card Reviews FAQ

Can't find what you are 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.

What's the Milestone Credit Card application phone number?

Upvotes

Garry Harrison

There is no Milestone Credit Card application phone number.

You need to complete the online pre-qualification, after which you'll be able to apply online in case you're eligible.

Keep in mind that being pre-qualified won't guarantee your approval. And an actual application will result in a hard pull on your credit, lowering your score for a short period of time.

Is there a fee if I pay my Milestone Credit Card over the phone?

Upvotes

thomas friedman, WalletHub Credit Card Analyst

There isn't a fee to pay your Milestone Credit Card over the phone.

Will I get a penalty for paying off my Milestone credit card early?

Upvotes

thomas friedman, WalletHub Credit Card Analyst

You will not get a penalty for paying off your Milestone credit card early.

Does the Milestone Credit Card have a hardship program?

Upvotes

Lisa Cahill, Credit Cards Moderator

No, the Milestone Credit Card doesn't have a hardship program. The issuer may, however, sympathize with you in case of hardship.

If you've lost your job or are suddenly unable meet your payment obligations, call customer service at (866) 453-2636 to explain your situation. There's no guarantee it will...

What's the Milestone Credit Card daily cash advance limit?

Upvotes

Sarah Bilkins, WalletHub Credit Card Analyst

The Milestone Credit Card daily cash advance limit is $100.

Having said that, keep in mind that cash advances with a Milestone Credit Card are costly transactions and should be reserved for emergencies only.

For starters, there's a cash advance fee: None 1st yr, either $5 or 5%...

How hard is it to get the Milestone Credit Card?

Upvotes

Lisa Cahill, Credit Cards Moderator

It is not very hard to get the Milestone® Mastercard® - Less Than Perfect Credit Considered because it is available to people with bad credit. The Milestone Credit Card is actually a relatively easy credit card for the average person to get.

In order to get the Milestone Credit Card...

How can I track the delivery of a Milestone Credit Card?

Upvotes

Sydney Garth, Credit Cards Moderator

Unfortunately, there is no way you can track the delivery of a Milestone Credit Card.

Having said that, it is also worth noting that it usually takes about 14 days after being approved for your card to reach you.

However, if you do not receive your Milestone...

How can I reset my Milestone Credit Card PIN?

Upvotes

Evelyn Boros, Credit Cards Moderator

You can reset your Milestone Credit Card PIN by calling (800) 958-2556 or the number on the back of your card.

After you informed a representative about your request, you should receive your PIN via mail, email, or text.

How do I do a balance transfer on my Milestone Credit Card?

Upvotes

Chip Lupo, Credit Card Writer

The Milestone® Mastercard® - Less Than Perfect Credit Considered does not allow balance transfers. In general, balance transfers allow you to shift high-interest debt from your current account to another issuer's credit card and pay off the balance, presumably at a reduced interest rate.

For a look at some...

What are the best Milestone Credit Card promotions?

Upvotes

Evelyn Boros, Credit Cards Moderator

The best Milestone® Mastercard® - Less Than Perfect Credit Considered promotion is the $0 cash advance fee for the first year. Cardholders do not need to do anything specific to take advantage of this Milestone Credit Card promotion, as it applies automatically.

Credit card promotions change often, so if...

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Purchase Intro APRNot Offered

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Regular APR24.9%

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Regular APR24.9%

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

What's Your Rating?

Sherri
August 11, 2022 • @savyadvocate1

Verified Customer

I pay before time every month and this company always call me saying I am late. Now I have to dispute 2 lates that are false. This is one incompetent company. I am paying and closing this account asap!!

Comment

Melissa
August 9, 2022 • @melissamaloney215

Verified Customer

This card is not only expensive to maintain I have autopay on and it’s saying my account is past due! I don’t understand how that happened and I can’t find a chat or contact. When I click contact us it say error and goes nowhere. This is so not right. I can’t even look at my statements! I think someone illegally used my number and I can’t find that out. They’re ruining my already not so great credit I’ve been working on since my dentist opened a $5k loan in my name without permission.

Comment

Beverly
August 6, 2022 • @broush99

Verified Customer

Good card to start with don’t expect credit increases. Had this card over a year and not one offer to increase. All on time payments leaving a small balance each month.

Comment

ellaottoni
August 5, 2022 • @ellaottoni

Verified Customer

I received an offer for $700 limit card with no 1st annual fee, then $175 annual fee. After approved, I quickly received the card on the mail and, even though there is no app to manage it, the website is pretty efficient. However the anual fee of $175 came applied right from the begging. I didnt activate the card yet but the fee is there. I called and the attendant was available right the away, extremely willing to help, however he straight informed there was no way to wave the annual fee even for one time as promised, no exception, that was the rule. Unfortunately I had to let it go, I didnt keep the card.

Comment

Christopher R
July 19, 2022 • @clrodgers74

Verified Customer

Great credit card to rebuild your credit score. Make payments on time for the first 6 months and they'll increase your credit limit.

Comment

Karen McClellan
July 18, 2022 • @Karenmcclellan7

I applied for a Milestone card and received an email requesting I send a copy of my DL, and other personal information, thru the MAIL! Who does that??? Well, twice now, they state they have not received my info. So I looked at the email to make sure, again, that I was using the proper address and I noticed a line above their logo that said to view the email in pdf form click HERE. So I did and and someone elses name and info came up!!! Besises my 2 sets of info that are floating around out there with personal info...now I have to wonder if my info is attached to someone elses email. If I have even 1 fraud case, Im going after them! Thats what happened the first time they lost my info!!! I just didnt put 2 and 2 together until now!

Comment

Erica
July 15, 2022 • @geew2964

Verified Customer

This card is an excellent way to establish credit.
Get approved, manage your spending, discipline yourself to make on-time monthly payments and you will do well.

Comment

whuser66987638
July 13, 2022 • @whuser66987638

Verified Customer

The amount of credit is lower than I would like, but I am able to manage. I would like to have credit allowance without the high annual fee

Comment

David
July 10, 2022 • @69_Hdman_69

Verified Customer

No credit increase in 4 yrs n never missed payment n high annual fees and wrongful notices to credit bureaus and no cooperations by Milestone

Comment

Westley
July 3, 2022 • @westleycox

Verified Customer

Not the best card slow to take money from account and update credit limit will call you 24/7 if you are late. No one that calls you can speak proper English

Comment

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
Read More

Virginia Solis Zuiker
Ph.D., AFC®, Associate Professor, Family Social Science, University of Minnesota, College of Education and Human Development
Read More

Anita B. Pasmantier
Ph.D., Professor of Finance, Fulbright Scholar, Bloomfield College
Read More

Kershen Huang
Ph.D., Associate Professor of Finance, Huizenga College of Business and Entrepreneurship, Nova Southeastern University
Read More

Barbara O'Neill
Ph.D., CFP®, CRPC, AFC®, CFEd, CPFFE, Distinguished Professor Emerita, Rutgers University, Owner/CEO, Money Talk: Financial Planning Seminars and Publications
Read More

Julie R. Hollinshead
CFA, Adjunct Faculty, Department of Finance, Mike Ilitch School of Business, Wayne State University
Read More

More Experts

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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

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Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.

Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.

Milestone® Mastercard® - Less Than Perfect Credit Considered

Milestone® Mastercard® - Less Than Perfect Credit Considered

Accepted Credit Scores

Fees

APR on Purchases

WalletHub Review

Milestone Credit Card Pros & Cons

Milestone Credit Card Review

Milestone Credit Card's Additional Info

Milestone Credit Card Reviews FAQ

Compare The Milestone Credit Card

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Milestone Credit Card Video Review

Milestone Credit Card Reviews

What's Your Rating?

Expert Thoughts on Milestone Credit Card

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