MASTERCARDMastercard Standard
Milestone Mastercard
- Annual Fee
- $0 or $75 or $125 or $175 or $250/yr by version (set at approval)
Terms checked against the issuer on July 29, 2026
At a Glance
- Annual Fee
- $0 or $75 or $125 or $175 or $250/yr by version (set at approval)
- Authorized User Fee
- $0
- Foreign Transaction Fee
- 5%
- Network
- Mastercard Standard
- Credit Required
- Poor
Earning Rates
- 0X
All Other
This card does not earn rewards - designed for credit building
Benefits & Perks
Insurance & Protections
4 protections$0 liability for fraudulent charges
Complete fraud protection—you're never responsible for unauthorized charges on your Milestone card
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
FICO score monitoring
Monitor your credit score for free every month with clear explanations of the factors affecting your score
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Reviews & Analysis
Pros and Cons
Pros
- +No security deposit required (unsecured card)
- +Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
- +Prequalification available with soft pull (no credit score impact)
- +No authorized user fee
- +The servicer advertises a guaranteed $700 credit limit if approved
Cons
- -Very high first-year fees (annual fee up to $250, or a monthly fee up to $19.25, depending on the offer)
- -Very high APR (35.9%)
- -No rewards or cash back program
- -Foreign transaction fee of 1% to 5% depending on the agreement version
- -Cash advance fee of $5 or 5%, at the same 35.9% APR
- -High late payment fee (up to $41)
- -Complex fee structure that varies by applicant
Who It's Best For
Best For
- Consumers with poor credit seeking an unsecured card
- People who want to avoid a security deposit
- Those who need to build credit by reporting to all three bureaus
- Individuals who can prequalify without a hard credit pull
Not Ideal For
- Anyone who qualifies for lower-fee credit building cards
- Consumers who want rewards or cash back
- People who may carry a balance (35.9% APR)
- Those who prefer predictable ongoing costs (fees vary by creditworthiness)
Details & Terms
Payment Terms
| Purchase APR | 35.9% (Variable) |
| Cash Advance APR | 35.9% (Variable) |
| Foreign Transaction Fee | 5% |
| Authorized User Fee | $0 |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Milestone Official | — | Milestone Official |
| NerdWallet | — | NerdWallet |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page | |
| Milestone Official | Milestone Official |