Milestone® Gold Mastercard®

Robin Saks Frankel  in  Credit History How we rate our cards  |  Advertiser Disclosure
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Recommended Credit Score

Bad to Fair (300 - 670)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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When you have poor or limited credit, you’re stuck with some poor choices among credit cards. The Milestone Gold Mastercard is yet another in a long list of cards that offer confusing terms and tack on unnecessary fees directed at consumers who could likely use a price break.


The only reason to get the Milestone Gold Mastercard is if you don’t have any other options and you need a credit card. It’s possible you might be able to improve your credit score, as this card reports to the three major credit reporting bureaus.

To get the card, you have to apply to be pre-qualified. After this, you’ll receive one of six different offers, all with the same APR of 24.90%, but each with different annual fees and or account opening fees.

At best, you’ll qualify for a $35 annual fee. The worst offer is a $99 annual fee. These charges will seriously hamper your available credit as the maximum limit on this card is $300. If you’re stuck paying a $99 fee on a $300 limit card, you’ve already reduced your purchasing power to $201.

Although this card is a step above a payday lender, you can do better. Try a credit union or a secured card if you want a clear and fair price structure for your credit card.

Who should get this card

We don’t recommend this card.


  • This card reports to the three major credit bureaus, so with good payment behavior you could improve your score.
  • You can get approved for this card even if you have poor credit or little credit history.


  • This card only offers a credit limit of $300.
  • You won’t know what your exact cardholder fees are until you pre-qualify.
  • The set-up fees can severely limit the amount of available credit. For example, if you have a credit limit of $300 and a set-up fee of $5 and an annual fee of $99, you’ll only start out with $196 of available credit.
  • There’s no balance transfer option with this card.

Fees and APR

  • This card has an APR of 24.90%.
  • The annual fee will be $35-$99, depending on creditworthiness.
  • There may be an account opening fee of either $5, $25 or $50 depending on creditworthiness.
  • A penalty APR of 29.9% may apply indefinitely if you make a late payment.
  • There’s a late payment fee of up to $40.
  • There’s a 1% foreign transaction fee for all purchases made outside the U.S.

Extras, perks and using points

This card comes with extended warranty coverage and price protections.

There are some credit educational tools on the card’s website including definitions of credit terms and links to Federal Trade Commission articles.