The Milestone Mastercard at a glance
The Milestone® Mastercard® is an unsecured credit card built for people with less-than-perfect credit who want to build or rebuild their history. Unlike a secured card, it does not require a refundable deposit, and if you are approved you receive a credit line up to $700. It is a real Mastercard, accepted everywhere Mastercard is, and it reports to all three major credit bureaus so responsible use is recognized.
Key benefits
- Unlimited 1.5% cash back on every purchase, applied automatically, while you build credit.
- Apply with confidence. If you are not approved, a hard inquiry will not appear on your credit report, so your score is not impacted.
- Reports to all three bureaus. Experian, Equifax, and TransUnion see your on-time payments, which can help your history.
- Real Mastercard acceptance anywhere Mastercard is welcome, in stores and online, plus standard Mastercard protections.
How it works
See if you are eligible
Start your request in a couple of minutes. You will see the offer terms before you commit to anything.
Submit your application
Applications are subject to issuer review, which may include obtaining your credit report, and approval.
Build with on-time use
If approved, use the card responsibly and pay on time. Activity reports to all three bureaus each month.
Ready to see the offer terms for your situation?
Apply OnlineRates and fees
The Milestone Mastercard is built for rebuilding credit, so its pricing runs higher than a prime card. The exact annual fee and terms you are offered depend on your credit profile, and this offer may be unique to the link above. Always review the full terms on the issuer's secure site before you apply.
| Annual fee | $175 in the first year; $49 thereafter |
|---|---|
| Monthly fee | $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month) |
| Purchase APR | Around 35.9% (see terms) |
| Credit limit | Up to $700 if approved |
| Security deposit | None (unsecured) |
| Rewards | Unlimited 1.5% cash back |
Who it is for
A good fit if you
- Are building or rebuilding credit
- Want an unsecured card with no deposit
- Want to check eligibility without risking your score if you are not approved
- Value all-three-bureau reporting
Maybe not if you
- Can qualify for a low-fee or rewards card
- Want cash back or points
- Prefer to avoid annual fees entirely
- Will carry a balance at a high APR