Milestone Gold MasterCard Review | Creditshout

Milestone® Gold Mastercard® Review

By Kevin / August 23, 2016

Milestone Credit Card Review Breakdown

Milestone® offers two version of a real MasterCard® (not a secured card!), one for those with average credit, and a second option if you have bad or no credit. In both cases, you may be approved even if you have a prior bankruptcy.

Milestone® Gold MasterCard®

Build or Rebuild your credit with Milestone Gold MasterCard

CreditShout Rating

Very Good

Credit Needed: Fair or Average; or Poor or N​o Credit

Annual Fee: $35 – $99 (depending on creditworthiness)​

Card Benefits:*

  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • Choose your custom card design – Free
  • Free online account access
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK

For Average Credit, Apply NowBad or No Credit, Apply Now

Intro APR


Intro Balance Transfer


Regular APR



If you have bad or poor credit, or suffered a previous bankruptcy, we think that the Milestone® Gold MasterCard® offers you the best option for a true, unsecured credit card.

And it is a real MasterCard® – meaning that this card is accepted at 35 million locations worldwide – which is pretty much everywhere.

Pre-Qualifiy Without Impacting Your Credit Score

As indicated above, there are two version of the Milestone® Gold MasterCard®. They both offer the same benefits, and have the same fee structure. And you can apply for either, regardless of whether you had a prior bankruptcy.

And what is really great about these cards is that ​you can request to be pre-qualified before applying. It takes only minutes to see if you are pre-qualified. And, since it is a “soft” credit check, seeing if you are pre-qualified will not impact your credit score.

While their pre-qualification tool does not guarantee your approval, if you qualify there is an extremely good chance you’ll be approved when you apply.

Even if you are pre-qualified, you will not be obligated to take out this card. So there is no harm in checking.

If you are interested in seeing if you pre-qualify for the Milestone® Gold MasterCard®, just click here.

Why Else Should I Apply?

It is nice that Milestone® accepts applications from those with limited credit history, poor credit, or a prior bankruptcy. But what if you have average credit? Is there also a reason to apply?

The answer is yes!

​The Milestone® Gold MasterCard® reports to all three major credit bureaus. This gives you the chance to establish a consistent payment record while enjoying the convenience of a credit card.

Plus, this card can be used anywhere that MasterCard is accepted (which, of course, is millions of locations). This is not just another catalog card, like so many other cards marketed to people with credit issues.

For anyone trying to get back on their feet after some credit mistakes, or otherwise establish their credit profile, we recommend the Milestone Gold MasterCard®.

And remember, when using this card, establishing a good payment record may help you qualify for better rates on mortgages, car loans, and other forms of credit.

Apply Now

Fees and Costs

Regardless of your credit rating, the Milestone® card offers a 23.9% APR. But make sure you pay at least the minimum amount due monthly by going into the milestone credit card login.  Consistency is what will improve your credit score over time.

The annual fee for the card will vary depending on your credit profile. The fee starts at $35 and goes as high as $99.

If you qualify for the $75 fee, be forewarned that is for the first year only. After that, the annual fee increases to $99. However, if you are able to improve your credit, you may be able to get that fee increase changed.​

Best of all, there are no hidden fees with this card.

About the Card Issuer

You may not have heard of the Milestone® credit card, but it is issued by two respected companies.

TheMilestone® Gold MasterCard® is issued by Genesis FS Card Services, Inc.

Genesis FS Card Services, and its parent, Genesis Financial Solutions, service MasterCard® accounts nationwide. They specialize in helping those with limited or damaged credit.


We consider the Milestone® Gold MasterCard® to be the one of the best credit card available today to applicants looking to establish a consistent payment record while enjoying the convenience of a credit card.

We love that you can check if you are pre-qualified without affecting your credit score, that it is a real MasterCard, and that it reports to all three major credit bureaus: Equifax; Experian; and TransUnion. This allows you to demonstrate responsible credit use to other lenders and helps to establish or re-establish your credit scores by using use your card responsibly and paying your bill on time each month.

On top of that, you can apply even if you have a bankruptcy on your credit report.

I think it is worth your time to at least check if you are pre-qualified for the Milestone® card. Remember, it will not impact your credit score. And you will not be required to apply.

Pre-Qualify Now for the Milestone® Gold MasterCard®


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