Whether you’re recovering from past credit missteps or just beginning to establish a credit profile, this card provides a clear, structured path forward with real financial tools and security features.
From pre-qualification with no impact to your credit score to access to major credit bureaus, the Milestone Mastercard ensures you’re in control of your progress. It’s more than just a credit card — it’s a stepping stone to long-term financial health.
Simple, Responsible Credit Access with No Security Deposit Required
One of the standout features of the Milestone Mastercard is that it’s an unsecured credit card. Unlike many other cards tailored for credit rebuilders, you won’t need to provide a security deposit. This makes it more accessible to users who may not have the upfront funds required by secured cards, without sacrificing access to essential credit-building tools.
Your account activity is reported monthly to all three major credit bureaus (Experian, Equifax, and TransUnion), helping you establish or improve your credit score over time, as long as you maintain responsible usage and on-time payments.
Straightforward Terms with Predictable Payments
With the Milestone Mastercard, there are no hidden tricks or complicated terms. You get a fixed credit limit, consistent due dates, and transparent terms that make managing your credit more predictable. This straightforward structure is especially helpful for cardholders who are focused on budgeting and avoiding debt traps.
While there is an annual fee, it is disclosed upfront during the pre-qualification process. The card also does not require perfect credit for approval, making it ideal for those recovering from bankruptcy, past delinquencies, or limited credit history.
Useful Financial Tools and Account Management Features
The Milestone Mastercard comes with user-friendly tools that help you stay in control of your account. You’ll have access to a secure online portal and mobile tools to check your balance, view recent transactions, and make payments.
You’ll also benefit from email and text alerts to remind you of upcoming due dates and other account activities, helping you avoid late payments and fees. These resources are essential for staying on track as you build better financial habits.
Security That Works for You
Security is a top priority with the Milestone Mastercard. The card comes equipped with EMV chip technology, adding an extra layer of protection against fraud when making purchases in-store.
Plus, with Mastercard’s Zero Liability Protection, you won’t be held responsible for unauthorized charges made with your card. This provides peace of mind for users who are concerned about identity theft and credit misuse.
Summary of Rates and Fees
- Annual Fee: Varies by credit profile, disclosed during pre-qualification (typically $35 to $99 per year)
- APR for Purchases: 24.9% variable APR
- Late Payment Fee: Up to $40
- Foreign Transaction Fee: 1% of each transaction made in a foreign currency
- Credit Limit: Fixed, typically starting at $300
It’s important to pay off your full balance each month to avoid interest charges. There is no introductory APR or rewards program, as the card is focused on credit building rather than cash back.
Who Can Apply for the Milestone Mastercard?
You may be eligible if you:
- Are at least 18 years old (19 in some states)
- Have a valid Social Security number
- Are a U.S. resident
- Meet the issuer’s credit criteria (including applicants with poor or limited credit history)
- Do not currently have a Milestone Mastercard account
How to Apply
- Visit the Milestone Mastercard application page.
- Complete the pre-qualification form to check eligibility without impacting your credit score.
- If pre-qualified, continue to the full application and provide personal and financial information.
- Submit your application and wait for a final credit decision.
