Milestone Gold Mastercard

in Personal Credit Cards from Genesis FS Card Services

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Milestone Gold Mastercard


in Personal Credit Cards from Genesis FS Card Services

SuperMoney Net Recommendation Score -60% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly not recommended

1 user recommends
2 users are unsure
7 users don't recommend
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Community Rating Strongly not recommended
Annual Fee $99
Purchase APR  (Variable APR) 24.9%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 550 - 650
Number of Reviews 10

Milestone Gold Mastercard Review

Milestone Gold Mastercard is a credit card issued by Genesis FS Card Services. 

This card is designed for people who have bad credit. The minimum credit score to apply is 550. Genesis FS Card Services is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit. If you're wondering whether Milestone Gold Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Milestone Gold Mastercard
The Good The Bad
  • Extended warranty protection on purchases.
  • Price Protection.
  • Considers applicants with fair or poor credit.
  • Milestone Gold Mastercard reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of $99.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Is there a Milestone Gold Mastercard cash back or rewards program?

    No, Milestone Gold Mastercard does not offer a rewards program.

    Milestone Gold Mastercard Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A

    What are the Milestone Gold Mastercard benefits?

    Milestone Gold Mastercard provides the following benefits:

    • Extended Warranty Protection
    • Zero fraud liability
    • Price Protection
    • Reports to major credit bureaus

    What are the relevant APRs for Milestone Gold Mastercard?

    According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Milestone Gold Mastercard has higher than average purchase APRs.

    Milestone Gold Mastercard has a variable purchase APR of 24.9%. It also has a variable cash advance APR of 29.9% . Note that late payments are subject to an APR of 29.9% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

    Does Milestone Gold Mastercard have an introductory APR offer?

    Milestone Gold Mastercard does not offer an introductory rate on new purchases.
    Milestone Gold Mastercard Balance Transfers
    Balance Transfer APR N/A
    Introductory Rate N/A
    Intro APR period (months) N/A
    Milestone Gold Mastercard Rates & Terms
    Balance Computation Average Daily Balance of Purchases (including new Purchases)
    Purchase APR 24.9%
    Credit Limit N/A
    Penalty APR 29.9%
    Cash Advance APR 29.9%
    Security Deposit N/A
    Introductory Rate N/A
    Intro APR period (months) N/A

    What are the Milestone Gold Mastercard fees?

    The following fees apply to Milestone Gold Mastercard:

    • An overlimit fee of $39.
    Milestone Gold Mastercard Fees
    Fees Amount
    Annual Fee $99
    Overlimit Fee $39
    Initial Program Fee $25
    Foreign Transaction Fee 1%
    Returned Payment Fee $39
    Late Payment Fee $39

    Does Milestone Gold Mastercard have a foreign transaction fee?

    Milestone Gold Mastercard charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

    Does Milestone Gold Mastercard report your account activity to credit bureaus?

    Milestone Gold Mastercard reports your account activity to the following credit reporting agencies:

    • Equifax
    • Experian
    • Transunion

    Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

    How to apply for Milestone Gold Mastercard

    • Visit the Milestone Gold Mastercard website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
    • Check the information is accurate and submit your application.
    • If you're denied click here to find out why your application may have been rejected and what you can do about it.

    If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

    MILESTONE GOLD MASTERCARD Disclosure: The product that you pre-qualify for will be based upon our review of your credit profile. Not everyone will qualify for the lowest cost product. You may be pre-qualified for a product that requires an account opening fee to be paid before account opening. Annual fee varies between $35 and $99. In no event will the account opening fee plus first year annual fee be more than $75.
    SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


    • Headquarters
    •   15220 NW Greenbrier Pkwy
      STE 200
      Beaverton, OR 97006
    •   Visit Site

    Message from Genesis FS Card Services

    All the benefits of Gold from the card designed for those with less than perfect credit. Milestone® Gold Mastercard®

    About Milestone Gold Mastercard

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      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Initial Program Fee $25
    No Interest Grace Period for Late Payment 25
    Paper Statement Fee $0
    Annual Fee $99
    Cash Advance Fee (%) 5%
    Cash Advance Fee Minimum $5
    Foreign Currency Transaction Fee 1%
    Late Fee Amount $39
    Minimum Interest Charge $0.50
    Over-Limit Fee $39
    Returned Payment Fee $39
    Co-signing Allowed  
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Mastercard
    Card Type
    • Bad Credit
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Car Rental Insurance  
    Credit Card Benefits
    • Extended Warranty Protection
    • Fraud Liability
    • Price Protection
    Emergency Support  
    Extended Warranty  
    Travel Insurance  
    Cash Advance APR (Variable APR) 29.9%
    Purchase APR (Variable APR) 24.9%
    Balance Computation Average Daily Balance of Purchases (including new Purchases)
    Penalty APR 29.9%

    Milestone Gold Mastercard Community Reviews


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