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This is a working Mastercard built for credit that has seen better days. You keep your cash, because there is no deposit, and your line can go up to $1,000 if the issuer approves you. A RiseCashToday review.
Some cards want a deposit before they will trust you. The Milestone Mastercard is not one of them. It is an unsecured card for people whose credit file is thin, new or bruised, and if the issuer approves you it can set a line as high as $1,000. Use it wherever Mastercard is taken. Each month your activity is passed to the three major bureaus, so an on-time habit is recorded where lenders actually look.
The Milestone Mastercard has a narrow purpose, and it serves it. Someone with a short or damaged credit history gets a real, unsecured Mastercard without handing over cash first. Two things earn our attention. One is the absence of a deposit. The other is the reporting: every on-time payment is sent to Experian, Equifax and TransUnion, which is the whole point of a card like this for a person whose credit is still fragile.
What you give up is money. Year one carries a $250 annual fee, and it drops to $99 from year two onward. Starting in the second year there is also a monthly fee of $19.25, which comes to $231 across the year. Purchases are charged around 35.9% APR, and the card earns no rewards at all. So treat it as a way to build a payment record, not as a place to park a balance. Buy something small each month, clear the statement in full, and let the reporting to the bureaus do the quiet work.
| Annual fee | $250 for the first year, then $99 a year |
| Monthly fee | First year: $0 (charged as $0 a month). After that: $231 a year, charged as $19.25 a month |
| Purchase APR | About 35.9% (check the terms) |
| Credit limit | As much as $1,000, if approved |
| Security deposit | None; the card is unsecured |
| Rewards | None |
Milestone is priced for people who are rebuilding, which means its fees sit well above what a prime card charges. The exact fee and terms you are offered depend on your own credit profile, and the offer tied to this link may not match other Milestone offers you find elsewhere. Read the full terms on the issuer's site before you apply.
on the issuer's secure site
The Bank of Missouri issues the Milestone Mastercard, and Concora Credit Inc. services the account. Every application is reviewed by the issuer, a review that can include obtaining your credit report, and is subject to approval; the issuer must be satisfied on creditworthiness, on ability to pay and on identity verification before it approves anyone. Anyone who already holds a Milestone Mastercard, or who applied for one recently, may not be approved. This offer may be specific to this page and is only assured when you use the link provided here; other offers for the same card may carry different terms and conditions. Annual fees, APRs and credit limits differ from one applicant to the next. RiseCashToday is a free referral and comparison service. We are not a lender and not a card issuer. We may be paid when you apply, and that payment never changes the terms you are offered. This page is an advertisement.
RiseCashToday is a free loan-request and comparison referral service. We do not lend money, issue cards or write insurance, and we may earn a fee when you apply through a link on this page. This page is an advertisement.
Up to $1,000 in credit, nothing to deposit, and your payments reported to all three bureaus. Every on-time month is recorded where lenders look.
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