Credit Score:
665
Credit Limit:
0
Age:
18-24
Posted 03/11 2025
This is a terrible company they are deniers of applicants and use a system that falsely denies people for card do not apply with milestone they will be reported to have it shut down out of business they are scamming
Credit Score:
0
Credit Limit:
700
Age:
25-34
Income On Application:
$30000
Posted 03/02 2023
This place was a total scam. I called today (3/2) , (2/16) and I believe a time before in January. Every time they told me different things about my account . I made my payment in full so I can use the account but received information that it was closed. Such funny timing , right ? So I called and the first representative told me they closed in January and the manager said it was closed in February. So as much as I’m glad I have a zero balance with them , it’s just awfully funny that they closed my account once I paid it. I would avoid at all cost.
Credit Score:
700
Credit Limit:
700
Age:
55-64
Posted 10/04 2022
I am looking at the information contained on this page regarding the milestone credit card, and it says annual fee of $35,$59 or $75 dollars. First off I never applied for this card, that's why I could not put an income as i never applied for this card. When I started to investigate this account on my credit report. I found the information below. When I called they told me it was the annual fee of $175 plus interest that is resulting in a balance on the account. I said I never received a card, statement, or requested this card. The rep told me they have no way to verify if I applied for it or not. But would have to put a ID theft flag on my credit profile to have it removed. Or I have to let them close it and have it show as "account closed at request of consumer". They cant remove the account, or they wont remove the account, unless I file an identity theft report. Which in this case they are the ID thieves that opened the account. Now they tell me that they are not the ones who process the application. And telling me that they cant close it. This company is opening accounts up for people without their consent, in the hopes that they will keep the card and pay their insane annual fee that does not match what is on their website.
Annual Fee-as posted on this website.
$35
$59 or
$75 for 1st year and $99 thereafter
Credit Score:
700
Credit Limit:
700
Age:
45-54
Posted 08/16 2022
This Credit Card is horrible Do Not Get this card, the company takes your payment and waits 14 days before they change your available credit amount. Even after it has posted to your bank they won’t reflect the balance!!! Do not get this card.
Credit Score:
0
Credit Limit:
700
Age:
45-54
Posted 08/16 2022
I was charged a late fee for a payment that I set up on the website. I set up the payment for the 12th to be withdrawn from my bank automatically. Convenient right? No. The system did not take my payment until the 14th. Due date was the 13th. Convenient for them to charge me a late fee. When I called to get the late charge reversed they said sorry. This is very frustrating. Im gonba pay off my balance and shred this card and close my account. Thus is bad business.
Credit Score:
688
Credit Limit:
300
Age:
55-64
Posted 05/15 2022
This is the worst credit card ever. There is no minimum payment. Your monthly payment is your balance. If you are late, it's $40. If you don't use your card, it's 10.40 a month plus a $40 late fee, not to mention the yearly fee. So,by not using my card for almost a year cost me $138 in the last 6 months and cost $89 6 months ago again, to not use my card. I would not advise getting this card. Find something else, otherwise you'll be paying for it to sit in your wallet.
Credit Score:
597
Credit Limit:
700
Age:
35-44
Posted 03/24 2022
No problems so far. Just has a high annual fee
Credit Score:
550
Credit Limit:
300
Age:
35-44
Income On Application:
$150
Posted 03/07 2022
I am currently working on rebuilding many credit after a divorce and the pandemic. I took this card as way to do so. However, I would not recommend this card. They take 14 days to process a payment and issue credit. That is way too long. I normally pay off my card every 2 weeks. I haven’t missed a payment. They say they have no way to verify the payment has posted and to expedite the process. Do not get this card if you want to actually use it.
Credit Score:
530
Credit Limit:
300
Age:
55-64
Income On Application:
$25000
Posted 12/02 2021
Worst nightmare continues lies misinformation $99 annual fee for a $300 limit extremely poor customer service foreign based difficult to comprehend
Credit Score:
750
Credit Limit:
700
Age:
18-24
Income On Application:
$1063
Posted 11/01 2021
This card do not get one i was 13.00
Over my limit they charged me 63.00
Last month it was 50.00 no increase in limit
Credit Score:
600
Credit Limit:
0
Age:
35-44
Posted 06/04 2021
Do not apply for the $700 increase if you already have a card!!!!!! It’s not an increase it’s a new card!!!!!!! They will deny you on the basis that you already have a card with them and it will look bad on your credit. It’s a horrible company.
Credit Score:
590
Credit Limit:
0
Age:
18-24
Posted 03/24 2021
I will not recommend this card .I canceled my card then they charged me a 99 anual I called got that tooking off but then they reinstated my credit I dont want it . It's a high intrest no limit increase . Go another way.
Credit Score:
570
Credit Limit:
300
Age:
35-44
Posted 02/23 2021
Horrible, Horrible, Horrible!!!!! I wouldn't recommend no one to get this credit card!! Too many problems with this card.
Credit Score:
550
Credit Limit:
300
Age:
35-44
Income On Application:
$50000
Posted 11/22 2020
I got approved with a $75 annual fee. The starting limit was $300. My feedback is quite similar to others here. The credit limit will not increase. They do not have an app and their website is not the most snazzy.
Having said that, this card does serves it's purpose. I got this card after already being approved for the Opensky Secured card. After I got approved, I saw my score bump up by about 30 points. After using this card (with the Opensky) for about a year or so, my scores have increased to over 600.
Credit Score:
580
Credit Limit:
300
Age:
25-34
Income On Application:
$55000
Posted 08/14 2020
My credit was not in the best of shape before Covid 19 and since the pandemic hit, I was fortunate to be considered an essential worker and had a job. My income was ok as well. I decided to really work on my credit and decided to get an unsecured credit card. I got rejected by Credit One and even First Premier. After getting pre-approved, I pulled the trigger and got approved. My annual fee was $75.
My score jumped 25 points after I got approved and they do report after the first statement. They also do bill you the annual fee on your first statement. Like others have said here, there is no phone app and the website is dated. But after using this for a few months, my score has improved and it is now about 630. I do charge about $58 a month (my hulu bill) and pay it off every month.
Credit Score:
560
Credit Limit:
300
Age:
35-44
Approved
8 months after Bankruptcy
Income On Application:
$60000
Posted 07/09 2020
I got of bankruptcy during May, at the height of Covid 19 and I lost my job. I took unemployment for a while but managed to get a job in July. My score coming out of BK was 560. I decided to go straight for an unsecured credit card rather than a secured card and decided on Milestone.
I tried the pre-approval and did get pre-approved indeed. Then I decided to pull the trigger and got approved. My annual fee was $35. They billed me that amount during the first billing statement. So far this card has been ok. Like almost everyone here has said, their website is dated and they have no app. But they still approved me after BK and only a short "recent income" history. So I am grateful.
Credit Score:
610
Credit Limit:
300
Age:
25-34
Income On Application:
$45000
Posted 12/05 2019
This card is ok. They did approved me when I got rejected by Credit One. But I still cannot believe they do not have an app. I also called CSR for a credit line increase and was told that they will never give you a CLI.
Credit Score:
570
Credit Limit:
300
Age:
25-34
Income On Application:
$65000
Posted 05/26 2019
Do not get this card. Not sure if other folks experience this but for me, they put a 14 day hold after I paid my bills. I checked the terms and conditions and they do say they might put a hold on your payment for up to 14 days. That means you have to wait two weeks for your payment to clear until your credit limit is restored. I now only charge a very small amount every month to the card. None of my other cards have such issues.
Credit Score:
540
Credit Limit:
300
Age:
25-34
Income On Application:
$37000
Posted 04/13 2019
This is actually a decent card for those of us with challenging scores. Yes, the limit is low and does not increase. But it is better than First premier, total, first access and reflex. These other cards charge an application fee, annual fee and monthly fee. With Milestone, you only have to pay an annual fee.
Credit Score:
590
Credit Limit:
300
Age:
35-44
Income On Application:
$27000
Posted 09/07 2018
$99 annual fee for a $300 credit limit which does not increase is not worth it. Get a secured card instead.
Credit Score:
575
Credit Limit:
300
Age:
25-34
Income On Application:
$48000
Posted 03/23 2018
This card has served it's purpose. The good thing is that they only charge you an annual fee. Other cards charge monthly fee as well. The bad thing is that the credit limit does not increase.
After using this card for over a year, I got the Capital One Platinum (no annual fee) with a $2,000 limit. I canceled Milestone after it had served it's purpose.
Credit Score:
555
Credit Limit:
300
Age:
35-44
Posted 05/13 2017
This was my second rebuilder after getting a fingerhut account. I was approved for both of these cards despite being denied by credit one, capital one and even first premier. I had an ok experience with this card. There were a couple of things that bugged me but they were not deal killers. The first is that I did experience payment holds for 7 days. Their website is truly old fashion and outdated. They also do not increase your credit limit. But you are getting this card simply to rebuild your credit and in that aspect, it does it's job. It reported to my reports immediately after the first bill was sent to me (which included the annual fee).
Credit Score:
497
Credit Limit:
300
Age:
35-44
Approved
3 months after Bankruptcy
Posted 05/04 2017
I got this card three months after my BK was discharged. I was approved for a $300 CL and a $99 annual fee. The card took a few weeks to arrive and once I activated it, I was sent my first bill with the $99 annual fee on it. I pay it off immediately. I checked my scores and they also went up about 25-30 points pretty quickly. I have been using the card for one and a half years and my score has steadily risen to about 585. I also managed to get a Fingerhut and a sears store card as well.
Credit Score:
577
Credit Limit:
300
Age:
25-34
Posted 04/17 2017
I had a fraudulent charge on my account for about $20. CSR was totally useless (IMO). Firstly, they are definitely not US based and I could barely understand them. I had to go through about 4 people and the issue is still not resolved. Stay away from this.
Credit Score:
536
Credit Limit:
300
Age:
35-44
Posted 03/13 2017
As a rebuilder, I would say that this card is "ok". There are worse cards out there that charge you an arm and a leg on fee. For this card, I had a $75 AF, but did not have to pay any monthly fees or processing fees. But they do increase your credit limits and they also do not have a mobile app.
Credit Score:
582
Credit Limit:
300
Age:
25-34
Posted 02/24 2017
The good thing about this card for me was that I was approved and my AF was quite ok ($75). They also do report to all 3 credit agencies and my scores have gone up by using this card. Like many have mentioned here, just charge a bit every month to the card and pay it off in full. Also, like others mentioned, they do not increase your credit limit and their website is so 1990s!
This card will help rebuilders. It will be useful up to a certain point.
Credit Score:
505
Credit Limit:
300
Age:
35-44
Approved
2 months after Bankruptcy
Posted 01/28 2017
I got this card about 2 months after my BK was discharged. Before that, I got approved for Cap One secured and Opensky. So this was my first "unsecured" card. These 3 cards helped me rebuild and after 2 years, my score has risen over 100 points. All I do is merely put about $30 each month on each card and pay it off in full. I send my checks early to make sure I am never late.
I have since gotten 2 capital on cards and a couple of store cards. I have also canceled all 3 cards that I got earlier since I do not want to continue paying those annual fees.
Credit Score:
512
Credit Limit:
300
Age:
35-44
Approved
4 months after Bankruptcy
Posted 12/12 2016
I got the milestone about 4 months after my bankruptcy was discharged. My annual fee was $99 and the credit limit was $300. After the card arrived and was activated, I got the first bill with the $99 AF on it. I paid it off immediately so I had the full $300 limit. I checked my credit report after I got approved and saw about a 25 point improvement in all my scores. I used the card to very little (about $15 to $25) a month just to put something on it. I PIF every month as well. Not long after I got this card, I also applied and was approved for fingerhut and a credit one. The credit one came with a $75 AF.
After about a year, my scores had improved from 512 to 605. Since I had 3 cards, I cannot really attribute this solely to milestone. I never had any problems with the card though I did notice that like what others have said here, they do not increase your credit limit. My fingerhut started at $250 and now it is $750. Credit one started at $300 and after six months, they increased it to $500.
My goal is to get a couple of no AF cards and then cancel both this card and credit one. Fingerhut has no annual fee, so I'll probably keep that for a bit.
Credit Score:
591
Credit Limit:
300
Age:
35-44
Posted 11/23 2016
My credit took a dive because of a job loss and some unpaid bills. As part of the rebuild process, I got this card. Before that, I had started off with the capital one secured. The reason I went with this card is because it was unsecured and it did not come with all sorts of nasty fees. Yes, I have to pay a $75 AF. But other cards were worse (monthly fees and all that).
The AF gets billed the first statement so my suggestion would be to pay it off immediately. I also had my payment put on hold for a couple of times for about a week. Customer service is definitely not US based. This was not a recurring problem and I only called CSR once.
Having said all that, the card has served it's purpose and I will be cancelling it once I get a couple of no AF cards with a decent limit.
Credit Score:
576
Credit Limit:
300
Age:
35-44
Posted 11/14 2016
For rebuilders, I would say that this card does it's job of helping you get a line, reports to bureaus and helps you with your score. Mine certainly increased after getting this card and using it. The annual fee seems ok compared to other cards that also charge monthly processing fee etc.
But your credit line never increases. After getting this card, I managed to get my hands on fingerhut and credit one and eventually a capital one card. I started with $250 on fingerhut and it is now at $700. Started with $300 on credit one and now my limit is $700. Started with $300 on capital one and now my limit is $1500.
I have since canceled my milestone card. It did serve it's purpose and the fees weren't too bad. But just use this as a stepping stone to cards that give you CLI.
Credit Score:
632
Credit Limit:
300
Age:
25-34
Posted 10/08 2016
I got this card when my score was about 631. AF was $59, got 23% APR and limit of 300. After I was approved, my card took about 5 weeks to arrive. Once I activated it, they sent me a bill with the $59 AF and I had 2 weeks to pay. Here is my experience with this card.
Pros
1. After I got my card, it started reporting and my scores went up 30 points in all 3 bureaus.
2. AF was not too bad.
Cons
1. I got payment hold for about 1 week.
2. Website is not that great.
3. they do not give credit line increases.
I guess it was worth bumping my scores up 30 points and more after I used it. But once I got a couple of capital one cards, I closed it.
Credit Score:
587
Credit Limit:
300
Age:
35-44
Posted 09/26 2016
It is ok to start rebuilding with this card. Once your scores improve, just get capital one. Your credit line will not increase so even if you get a decent AF on this, eventually, you'll need other cards.
Credit Score:
493
Credit Limit:
300
Age:
35-44
Approved
3 months after Bankruptcy
Income On Application:
$55000
Posted 09/11 2016
I applied 3 months after my chapter 7 BK. Got approved for $300 and it came with a $99 annual fee. I never had any problems with the card. I charge $20 a month to the card and pay it off in full. I have had it for a year and a half and my score has increased 70 points. I have not had any credit increase though. From my experience, this card is definitely BK friendly.
Credit Score:
603
Credit Limit:
300
Age:
25-34
Posted 07/09 2016
I have a relatively good experience with this card except for the fact that when I pay in full, my payment gets put on hold for about a week. Fortunately for me, I only spending $30 a month on the card since for me, this card is solely to rebuild my credit. So even if there is a payment hold, I still have enough credit line. Do not max out on this card.
Credit Score:
643
Credit Limit:
300
Age:
25-34
Posted 06/25 2016
I regret getting this card. The bright side is that my annual fee was ok at $75. But CSR said they never increase your credit line, their website sucks and they have no mobile app. They don't even have autopay set up. Their back end operations leaves a lot to be desired. I would go for a capital one card because looking at this.
Credit Score:
525
Credit Limit:
300
Age:
35-44
Posted 05/03 2016
Got approved with a $75 and $300 limit. I only charge about $25 a month on the card and PIF. After I got the card, my scores went up 35 points. After another 7 months, they went up a further 50 points across all 3 credit bureaus. I was then able to get a Capital One and even a barclaycard. This card has served it's purpose and I will be cancelling it.
There are some things that will put folks off. For example, they may put a payment hold for 7 days. They do not have autopay and they also have no app. Website is clunky to say the least.
Credit Score:
601
Credit Limit:
300
Age:
35-44
Posted 04/19 2016
My credit took a hit and my scores went down to the high 500s. To rebuild, I first got a opensky secured card. After 4 months, it bumped my score up to about 600. The milestone card is my second card. I got approved with a $75 annual fee and $300 credit limit. I might try to open one more trade line. But I'll be using these 2 cards now to rebuild. I only spend about $30 on both cards each and pay them off in full every month. They both report to all 3 bureaus.
Credit Score:
583
Credit Limit:
300
Age:
25-34
Posted 03/12 2016
I have been reading that you need 3 trade lines or credit cards to rebuild. I first got a cap one secured and put $500 into it. Next came fingerhut (because it had no annual fee). I got $200 limit for that and it was bumped up to $400. Then I applied for this card. I got approved for $75 annual fee version and $300 limit. I'll stick with these 3 cards for the moment. I'll make another round of app when my score gets into the high 600s.
Credit Score:
627
Credit Limit:
300
Age:
35-44
Posted 01/27 2016
I have this card. My annual fee is $59, rate is 23.9% I think and the initial limit was $300. When the first bill came, they charge the annual fee and I PIF. I seldom use it, maybe $20 each month. I plan to have it for a couple of years to rebuild and then close it when I can get better cards.
Credit Score:
579
Credit Limit:
300
Age:
35-44
Posted 01/19 2016
This is an ok card to start out. I got approved for $300 and all I do is to put $25 on the account every month and pay it off. After about 6 months, my score improved to over 600. I managed to get the capital one platinum and quicksilver. These are much better cards. But the Milestone card has served it's purpose and I will be canceling it soon.
Credit Score:
576
Credit Limit:
300
Age:
25-34
Posted 11/11 2015
So when I got the card, the annual fee was $75. However, during the second year, they jacked it up to $99. This is ridiculous/
Credit Score:
535
Credit Limit:
300
Age:
35-44
Posted 10/06 2015
This is a very important thing - they do not increase your credit limit. You can call, beg and do whatever, it stays at $300. I also have Capital One and Credit One card and they do both will increase your credit limit. If you are considering this, I would go for Credit One first.
Credit Score:
516
Credit Limit:
300
Age:
35-44
Posted 08/26 2015
So my credit was really bad and they approved me. My annual fee was $99 and the credit limit was $300. It's been close to 2 years and like others said here, they do not increase your credit limit. Their website is really outdated and 90s looking and they have no app!
Having said all that, my score went up over 50 points just from charging $50 a month and paying it off in full. So it has served it's purpose. And since I have just gotten a capital one unsecured card and barclaycard, I will be saying goodbye soon.
Credit Score:
548
Credit Limit:
300
Age:
35-44
Posted 05/23 2015
This was one of the easiest cards to get. But after a year, I realize that they have not increased my limit. I checked online and called them and was told they do not increase credit limits. I also have a Credit One card and was given an increase after only 6 months.
Credit Score:
612
Credit Limit:
300
Age:
35-44
Posted 04/17 2015
Applied and was approve but got the card is a couple of week. Annual fee post straight away on the first bill and is reported to the bureaus if you do not pay it off.
The good:
1. easy to get
2. no issues with payment
The bad;
1. I have not gotten any credit line increases.
bottom line is that if you pay your bills in full, then there will be no problems. My score improved a lot with this card and a fingerhut.
Credit Score:
634
Credit Limit:
300
Age:
35-44
Posted 02/09 2015
All cards targeted at bad credit folks like us are not great. But they do serve a purpose, which is to help us rebuild. This card is no different. And we all know that we need to get at least 3 or 4 trade lines so even if we get 2 great cards, we'll end up with one that is not so good. After doing a lot of research, I've come to the conclusion that there are worse cards out there.
I myself got this card and all I do is charge my bills to it and end up putting $55 on the card a month. I PIF so the interest rate does not bother me at all. That, together with my secured card and 2 other cards (credit one and fingerhut) has helped me increase my score by over 80 points.
The downside of this card is that they do not give credit line increases whereas both my credit one and fingerhut did.
Credit Score:
545
Credit Limit:
300
Age:
35-44
Posted 12/04 2014
I spent hours looking at other cards and I decided to get this card. I have bad credit, so low limits and high annual fees appear to be part of the deal. This card is better than cards like Total, First Access, Surge, Verve and 1st Premier. These cards all charge monthly maintenance fee and processing fees.
Stick with this and maybe a fingerhut or credit one and you will build up your scores again.
Credit Score:
498
Credit Limit:
300
Age:
25-34
Posted 10/11 2014
I was really surprised to be approved for this card because my scores were hovering around slightly below 500. After 6 months, they had gone up to 580. I then applied and got approved for 2 capital one cards and said goodbye milestone. It did serve it's purpose.
Credit Score:
672
Credit Limit:
300
Age:
25-34
Posted 08/21 2014
They charged me an annual fee of $35 for the first year. Then they started charging me $99! This is just absurd. I cancelled the card.
Credit Score:
583
Credit Limit:
300
Age:
25-34
Posted 07/10 2014
I got this card to help me rebuild my credit. My annual fee was $75 and the starting limit was $300. They will bill you the annual fee on your first statement. After using the card for a year, I was quite puzzled that I had not got any credit line increases. After checking their website and calling their customer service, I found out that they do not give you any credit line increases. At about the same time I got this card, I was also approved for credit one and capital one with an almost similar starting credit limit. But credit one has given me an increase after 6 months and my cap one limit is now $1800.
Credit Score:
562
Credit Limit:
300
Age:
35-44
Posted 05/26 2014
Applied, was approved and the card came in 10 days. My AF was $75 and my limit was $300.
The bad thing about this card is that there do not give you any credit increases.
Requirements 
Requirements 
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