You can compare a maximum of 6 cards.

Milestone® Gold Mastercard®

  • Regular Purchase APR 24.9%
  • Cash Advance APR 29.9%
  • Annual Fee $35 to $99
  • Credit Needed Poor
  • Processing Network Mastercard
Best Benefits
  • ◉  Choose your custom card design
  • ◉   Free 24/7 online account access
  • ◉   Quick pre-qualification with no impact to credit score
  • ◉   Mastercard® Gold Benefits
Rates & Fees
  •  Regular Purchase APR: 24.9%
  •  Cash Advance APR: 29.9%
  •  Cash Advance Transaction Fee: $0 during the first year; after first year, either $5 or 5% of the amount of transaction
  •  Penalty APR: 29.9%
  •  Annual Fee: $35 to $99
  •  Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $39
  •  Over Limit Penalty Fee: Up to $39
  •  Credit Needed: Poor


At a Glance

Designed for folks with less-than-stellar credit (or no credit at all), the Milestone® Gold Mastercard® is issued by the Bank of Missouri. Featuring all the benefits of a Mastercard Gold Card at no extra cost, it allows customers to begin their credit journey with a valuable tool in their wallet.

Quick pre-qualification, custom card design, free online account access, and Mastercard®  benefits – it’s easy to see why this card is a strong option for anyone who is looking to build, or repair, their credit history.

Ideal for Those Who:

  • Have low credit standing or who have not yet begun to their credit journey
  • Wish to build or re-build their credit score
  • Want a credit card that reports to the three major credit bureaus
  • Prefer the freedom of an unsecured credit card over a secured card

Milestone Gold Mastercard® Review

Milestone may not have the name recognition that larger credit issuers command, but with the power of Mastercard® behind the Milestone Gold card, you can see why this company is fast becoming a household name for applicants with less-than-perfect credit. Issued by the Bank of Missouri, this card features pre-qualification that is both quick and easy. This card is a straightforward, no-frills opportunity to build and repair credit; the Milestone Gold card will help you meet your everyday needs as you progress in your credit journey with powerful tools to manage spending.

How to Apply for the Milestone Gold Mastercard®

There is no impact to your credit score when you apply for the Gold Mastercard from Milestone. Although you cannot do so over the phone or in person, you can apply online, and you’ll know your eligibility instantly thanks to a fast and easy application process. If you have any questions about your application process, Milestone has customer service representatives that can help – simply call 1-866-453-2636.

Who Can Qualify for the Milestone Gold Mastercard®?

In order to pre-qualify for the Milestone Gold Mastercard, you must be at least 18 years old. If you have requested pre-qualification within the last 60 days, you will not be able to apply, so plan accordingly if you are considering multiple card offers. Simply fill out and submit the online application and you’ll have an instant answer. Your credit line will be determined based on your eligibility, and Milestone will review your information and assign a credit limit ($300 is the minimum for any account) once you’re approved.

Although this card is designed for people who have low credit scores or who have not yet established a credit profile, approval is not guaranteed. Milestone’s credit criteria is designed to help people who would like a credit card despite their credit standing (or lack thereof), but they cannot guarantee 100% approval. Your pre-qualification request and application is reviewed closely to determine whether you meet the qualifications for this offer. After pre-qualification, your new card typically arrives within 14 business days of approval.

Milestone Gold Card Offers

There are different Milestone Gold card offers available for those who seek pre-approval. Based on your creditworthiness and other factors, you will be approved for one of the following offers – which all share the same interest rates – if you are approved for a Milestone card. The annual fee ranges from $35 up to $99 each year:

  • Option 1: Annual fee is $75 for the first year and $99 thereafter
  • Option 2: Annual fee is $59
  • Option 3: Annual fee is $35
  • Option 4: After a $25 account opening fee, the annual fee for the first year is $50 and will be $99 thereafter

Milestone® Gold Mastercard® Cardholder Benefits

Cardholders who demonstrate responsible financial behavior will soon see their credit score begin to rise, as Milestone will report card usage to the major credit bureaus each month. In order to maximize your credit score, make sure to pay your balance in full each month. Since this card is for individuals who need to repair their credit or establish their credit profile, there are no rewards and no introductory offers associated with this card.

Those who do qualify for the Milestone Gold card will be delighted to discover that they’ll have free, 24/7 account access. They’ll be able to pay their bill online, too. Additionally, each card is customizable with several designs, so cardholders can show off a bit of their personality with their card. Milestone offers great dedicated resources to help cardholders navigate the world of building credit, too.

The Milestone Gold card can be used towards cash advances (subject to credit approval) and purchases anywhere Mastercard is accepted. The Mastercard logo can be seen at more than 33 million locations, in 210 countries across the world. This is a big feather in the Milestone Gold Mastercard’s cap, as it’s not often that an unsecured card has this sort of purchasing power. For the Horizon Gold Card, for example, cardholders are limited to online transactions with the proprietary Horizon Outlet marketplace.

Mastercard® Benefits

You’ll also enjoy all the Mastercard benefits that accompany this card offer. Mastercard benefits include:

  • Identity theft resolutions services – Mastercard’s ID Theft Protection program includes an online monitoring dashboard (after activation), a monthly risk alert/newsletter, identity monitoring, resolution services, lost wallet assistance, single bureau credit monitoring (with TransUnion), Financial account takeover, and URL and domain monitoring.
  • Extended warranty coverage
  • Price protection
  • Mastercard Global Service
  • Mastercard Airport Concierge

These are all valuable tools that typically are not available with an unsecured credit card like this one.

Should You Apply for the Milestone Gold Mastercard® from the Bank of Missouri?

While the interest rates for the Milestone® Gold Mastercard® are somewhat high compared to other credit cards, they are still competitive if you are unable to qualify for a different card offer. The annual fees are competitive, too. Until you compare this unsecured Mastercard to secured credit cards from other issuers, which are also used to help build and rebuild credit. Some secured cards, like the Golden 1 Platinum Visa Secured Card, have no annual fee whatsoever. Granted, the Milestone card offer is designed for people who may not be able to qualify for other secured cards. There are plenty of excellent secured credit cards that don’t charge an annual fee, but if you’re worried you may not qualify, the Milestone Gold Card is a useful tool for building credit.

At the end of the day, the Milestone® Gold Mastercard® is a great option for consumers who have less-than-perfect credit and are looking to beef up their credit score to qualify for a credit card offer with better terms and/or rewards. The pre-approval application process is quick and easy and can be completed in minutes online. Best of all, applying for this card will not result in a hard inquiry to your credit report. The Mastercard benefits like Global Service and Airport Concierge also serve to set this card offer apart from its competitors.


Editorial Disclosure — The opinions expressed on BestCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Further, BestCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge.

Published: January 2, 2020 8:17 am

Cardholder Reviews

Would you like to post a review about this card?
Register online. It's quick and easy!

Advertiser Disclosure – BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.