HomeCredit cardsMilestone
A genuine Mastercard for bruised or brand-new credit. Your cash stays yours, since no deposit is taken, and every month is reported to all three bureaus. Reviewed by FlexiFundLoan.
Milestone's card is unsecured and aimed at two groups: people opening their first credit file and people starting over. Nothing goes down as a refundable deposit, and approval can bring a line as high as $1,000. The card works anywhere Mastercard does. Every month, Experian, Equifax and TransUnion hear how you paid, so on-time payments get noticed by the people who check.
Its job is narrow, and it does that job well: an actual unsecured Mastercard for a damaged or thin file, with no cash asked of you at the start. We like two things most. One is the missing deposit. The other is the reporting: Experian, Equifax and TransUnion all hear how you paid, so a run of on-time months counts where it matters.
Now the price. The annual fee runs $250 in the first year and $99 in the years after. Starting in year two, you also pay $19.25 every month, or $231 over a full year. The purchase APR is 35.9%. Rewards: none. This is a card for creating a track record of payments, not for holding a balance. Small, regular purchases paid off in full each month are how it earns its keep.
| Annual fee | $250 in year one; $99 a year from year two |
|---|---|
| Monthly fee | Year one: $0 ($0 a month). Year two on: $19.25 a month, which is $231 a year |
| Purchase APR | 35.9% (see terms) |
| Credit limit | Up to $1,000 if approved |
| Deposit | None, the card is unsecured |
| Rewards | None |
Milestone charges more than a prime card because it serves people who are rebuilding. Your own credit profile shapes the fees and terms you are shown, and other Milestone offers you come across may not match this one. Read all of it on the issuer's site first.
on the issuer's secure site
The issuer checks each application and may pull your credit report. If you are approved, the new account and the inquiry appear on your report, as with any card.
No. Unlike a secured card, this one asks for no refundable deposit. When approved, the issuer decides your line, which can be as much as $1,000.
It is designed for imperfect credit. Every application is checked by the issuer, which may pull your credit report, and approval is never a sure thing. Holding a Milestone Mastercard already, or applying for one recently, may lead to a no.
Yes. Experian, Equifax and TransUnion each get your account activity. Paying on time with a modest balance builds, month by month, a record that can help your payment history.
The Milestone Mastercard is issued by The Bank of Missouri and serviced by Concora Credit Inc. Applications are subject to issuer review (which may include obtaining your credit report) and approval; to be approved you must meet the issuer's requirements for creditworthiness, ability to pay, and identity verification. If you have recently applied for or already have a Milestone Mastercard, you may not be approved. This offer may be unique and can only be guaranteed when using the link provided; other offers for this card may feature different terms and conditions. Annual fees, APRs, and credit limits vary by applicant. FlexiFundLoan is a free comparison and referral service, not a lender or card issuer, and may be compensated when you apply, which never changes the terms you are offered. This is an advertisement. Advertisement. FlexiFundLoan is a free loan-request and comparison referral service and a marketing affiliate, and we may be compensated when you use the links on this page. That never changes the terms you are offered.
No deposit, a line that can reach $1,000, and monthly reports to the three big bureaus. The application takes a few minutes on the issuer's secure site.
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