Milestone® Gold Mastercard®
Consumer Reviews, Credit Score and Income Needed, Credit Limits

46 Reviews
Consumer Rating:





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Lowest:
493
493
Average Score:
577
577
Highest:
750
750


Requirements
- Credit score from 550 to 650
- Not more than 2 hard inquiries during the last 6 months - this is a major factor for getting denied
- Preferably has 2 other tradelines for at least 6 months - this can include student loans or auto loans etc
- On-time payments on all debt for at least 1 year
- No tax liens
- Minimum income of $20,000
- Checking Account Required


Annual Fee
$35
$59 or
$75 for 1st year and $99 thereafter
APR: See Terms* - Issuer is in the midst of updating their APR


Pros and Cons of Milestone
Pros
- Reasonable Annual Fee
- No Fees For Paying Bills
- Soft Pull For Pre-approval
- Accept Past Bankruptcy Applicants
Cons
- No App


Is Milestone Credit Card A Good Card?
This is one of the better unsecured credit card for rebuilders. It has a reasonable annual fee and does not charge any one-time application or processing fee and monthly fees. Rather than apply first and risk a hard pull, you first pre-qualify (only soft pull) and if you do pre-qualify, you can then decide if you want to proceed to get the card.
It is ok to apply for this card even if you have just emerged from bankruptcy and there do not check your income. However, it is best that you have a score between 600 and 640 for best chances of approval.
For those of you looking to add another credit card to your rebuilding efforts, this is one card you can consider.