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

Picture of Milestone® Gold Mastercard®
46 Reviews
Consumer Rating:
star ratingstar ratingstar ratingno star ratingno star rating

Apply Here apply here 3.4
Lowest:
493
Average Score:
577
Highest:
750
Requirements
Requirements

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

Fees and Rates
Fees and Rates

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
Pros and Cons

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

Editors Review
Editors Review

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.

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5 Star
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3 Star
23%
2 Star
19%
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4%
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Best Review
OVERALL RATING
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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.
By Approved during Covid19 : 08/14/2020
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Most Helpful 4-5 Star Review
OVERALL RATING
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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.
By AeroplanPilot : 07/09/2020
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Most Helpful 2-3 Star Review
OVERALL RATING
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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.
By 14 Day Wait : 05/26/2019
 
Credit Score: 600 Credit Limit: 0 Age: 35-44
Posted 06/04 2021
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
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
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
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
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
Horrible, Horrible, Horrible!!!!! I wouldn't recommend no one to get this credit card!! Too many problems with this card.
 
Credit Score: 570 Credit Limit: 300 Age: 25-34
Income On Application: $65000
Posted 05/26 2019
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
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: 590 Credit Limit: 300 Age: 35-44
Income On Application: $27000
Posted 09/07 2018
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
$99 annual fee for a $300 credit limit which does not increase is not worth it. Get a secured card instead.
 
Credit Score: 577 Credit Limit: 300 Age: 25-34
Posted 04/17 2017
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
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: 643 Credit Limit: 300 Age: 25-34
Posted 06/25 2016
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
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: 535 Credit Limit: 300 Age: 35-44
Posted 10/06 2015
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
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: 583 Credit Limit: 300 Age: 25-34
Posted 07/10 2014
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
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.
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