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Accepts Low Credit Scores: The Milestone® Mastercard® caters to individuals with less-than-perfect credit, providing an opportunity to build or rebuild credit history.
Reports to Credit Bureaus: This card reports to all three major credit bureaus, helping cardholders improve their credit scores with responsible use.
Quick Pre-qualification Process: The pre-qualification process is fast, easy, and does not impact the applicant's credit score.
Mastercard® Benefits: Cardholders can take advantage of Mastercard® benefits, including Zero Liability Protection and extended warranty coverage.
Annual Fee: $175 the first year; $49 thereafter.
Monthly Fee: $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month).
High Regular APR: The card has a 35.9% fixed APR, which can be costly if cardholders carry a balance.
No Rewards Program: There is no rewards program associated with this card.
Foreign Transaction Fee: Cardholders will be charged a 1% foreign transaction fee on purchases made outside the United States.
Cash Advance Fee: $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100).
The Milestone® Mastercard® is an appealing choice for those with lower credit scores who are looking to establish or rebuild their credit history. While it lacks a rewards program and charges an annual fee, the card's focus on serving individuals with less-than-perfect credit is its main strength. The quick pre-qualification process and Mastercard® benefits add value for cardholders. Despite the high regular APR and foreign transaction fee, the Milestone® Mastercard® remains a solid option for individuals who want a credit card tailored to their unique credit situation and are willing to pay an annual fee to access its credit-building benefits.
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1%
Fair/Good
Mastercard®
N/A
$0
N/A
N/A
27.49% variable
3%
Fair/Bad/Limited/No Credit
Mastercard®
Up to 100K points: 75K points after $4K spend in the first 3 months + 25K after $20K in the first 12 months
$95
3X Air Canada. 3X grocery stores. 3X dining. 500 bonus points with each $2K calendar month spend, up to $6K spend per month (1,500 points max). 1X everywhere else
N/A
21.74%–28.74% variable
0%
Good/Excellent
Mastercard®