Last Updated: 10/08/2025
SuperMoney User Recommendation Score -54
Strongly not recommended35 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Fixed APR)
24.9%(Verified 10/08/2025)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
24.9%(Verified 10/08/2025)
Disclaimer popup with additional information
Credit Score Range
550 - 650
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Annual Fee
$99 - $250
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Number of Reviews
Milestone Mastercard Review
This is a card issued by The Bank of Missouri and serviced by Concora Credit. If you're wondering whether Milestone Mastercard is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a fixed purchase APR of 24.9%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, price protection, travel accident insurance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Milestone credit card
| The Good | The Bad |
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Milestone credit card FAQ
Does Milestone credit card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Milestone credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Milestone Mastercard has a fixed purchase APR of 24.9%. The card has a fixed balance transfer APR of 24.9% . It also has a fixed cash advance APR of 35.9% .
Note that late payments are subject to an APR of 35.9% 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 credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Milestone credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Milestone credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $99 - $250 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $99 up to $250.
Does Milestone credit card have a foreign transaction fee?
Milestone credit card charges a foreign transaction fee of up to 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 foreign transaction fees.How do people rate the customer service and user experience of Milestone credit card?
Overall, Milestone credit card is strongly not recommended based on community reviews that rate customer service and user experience.
Does Milestone Mastercard report your account activity to credit bureaus?
Yes, Milestone Mastercard reports to the following credit bureaus:
- 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 may help build your credit.
Does Concora Credit Inc perform a hard credit pull?
Yes, Milestone credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Milestone credit card
- Visit the website of Milestone credit card.
- 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 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 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: SuperMoney.com 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Other Services by Concora Credit Inc
Other Credit Cards from Concora Credit Inc
Purchase APR
24.9%
Disclaimer popup with additional information
Balance Transfer APR
24.9%
Disclaimer popup with additional information
Credit Score Range
550 - 650
300
850
Annual Fee
$99 - $250
Disclaimer popup with additional information
Purchase APR
24.9%
Disclaimer popup with additional information
Balance Transfer APR
24.9%
Disclaimer popup with additional information
Credit Score Range
300 - 850
300
850
Annual Fee
$49 - $175
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -54, or 1.9 on a 5-point rating scale.
-54
-1000+100
No one recommends
Everyone recommends
Milestone Mastercard Community Reviews
Would you recommend Milestone Mastercard to your friends?
AH
Albert H.
Aug 27, 2024
May or may not recommend
Very possibly a criminal enterprise. I had 2 different cards from Concora credit and both had habits of placing holds on available credit, not for 1-2 days, more like 15-20 days. This happened more than once. I was on vacation 800 miles from home when, with a 0 balance on a unsecured card , my available credit limit was put on hold. That was the final straw for me. I ...Show More
CS
Claudia S.
Nov 7, 2023
May or may not recommend
I paid my total of 3000 dollars three months ago and closed my account with them and since that month they continue to send me bills every month, I call and they don't give me an answer, be careful
DS
Dahlia S.
Oct 25, 2023
May or may not recommend
I have a destiny card and indigo card from this company. I closed them today. They have horrible cs people. They make it very hard to make a payment. They are useless to me. Be careful of these cards
John S.
Sep 9, 2023
May or may not recommend
I have been working on building my credit and getting it up out of 400 and 500 I'm now towards 650 and shopping around to get a new card. But reading these reviews and seeing how that they're not telling me a limit on it yet. I think I'm definitely going to have to pass on this one. Since I'm kind of new to the hole credit world and ...Show More
CM
Carina M.
Apr 19, 2023
May or may not recommend
I have had this card for about two years and I've honestly had a really pleasant experience with it. I applied for this card because I needed to rebuild my credit and wanted a low-balance non-secured credit card to do so. The card itself doesn't really have a lot of benefits, per se, but it did exactly what I needed it to do. As soon as I was approved for ...Show More
Kerry S.
Apr 11, 2023
May or may not recommend
I should have read reviews first. I signed up through my credit karma app. It showed I was approved but not for how much. Had a hard inquiry to find out a week and a half later that I got a $300 credit limit that also charged an immediate $59 annual fee and there's no credit line increase available. BAD DECISION that will negatively effect my credit score now because ...Show More
RV
Renita V.
Mar 15, 2023
May or may not recommend
I don’t know enough about the card I don’t have the card I just apply so therefore I can’t give a correct answer so it remains a maybe
Jai D.
Aug 4, 2022
May or may not recommend
I had been with them 2 yrs making on time payments never late... called to see if they spread the service fee over months instead all at once...to make a long story short I do not have them anymore. I wouldn't recommend them to a cat family just starting out...NOPE....NOT AT ALLL
MA
Muhammad A.
Jul 25, 2022
May or may not recommend
The account is hard to understand and when you try to get information from customer service they are very hard to understand and intrest rate are very high
CB
Casandra B.
May 27, 2022
May or may not recommend
They don't care about customers and if almost ready to pay off a card (Milestone) watch it because they'll try to pull and say your account is invalid even though it's good enough to pay on your other 2 accounts with them (Indigo & Destiny). Also been waiting since March for them to fix a payment that was posted to the wrong account, call to check the progress and they ...Show More
DK
Delondi K.
May 12, 2022
May or may not recommend
One of the most horrible companies I have interacted with. I paid them off on on April 15, 2022. They refused to send me a paid in full balance. For nearly a month I have fought them to provide me with a paid in full balance and they refused. I called them on April 15, 17, 18, 21, 23 and repeatedly called them to no avail. They do not care ...Show More
SJ
Sade J.
May 10, 2022
May or may not recommend
I would not recommend this card. It has high interest rates.
JH
Jaclyn H.
May 3, 2022
May or may not recommend
The account is hard to understand and when you try to get information from customer service they are very hard to understand.
FN
Frederick N.
Apr 26, 2022
May or may not recommend
Hate this card. Get the branded card. If not approved, wait for approval of official card at a later date.
Not worth the headache. Just got hung up on by a Genesis FS Card representative.
JF
James F.
Mar 11, 2022
May or may not recommend
Had a $34 balance, which I though was zero! Difficult to understand the overseas operators who are from who knows where! I asked numerous times to be placed with a North American based operator to no avail. They said “supervisor much too busy “. I said I would hold and after twenty minutes was placed with a US based operator. She told me the balance I ...Show More
NL
Natalie L.
Mar 10, 2022
May or may not recommend
I believe that the Milestone Gold Mastercard is a fraudulent card. I have been receiving a lot of claims about people not getting their cards after getting approved and a lot of changes have been pulled against them, still I tried with the card, and when I got approved for the card, I never heard about it nor seen it. That is completely unprofessional - no one can contest charges. ...Show More
IB
Ibinabo B.
Jan 20, 2022
May or may not recommend
I was in a bit of a fix regarding my credit card, and I needed to sort it out immediately, but couldn't figure out which service to use, so I remembered an ad about Milestone. I checked them out, went through the process, and here we are!
ER
Emma R.
Jan 6, 2022
May or may not recommend
Basically, I don't have any issues with this card, but I think its's customer service could be improved and as well the customer reward credits shouldn't be limited. Over all, it's nice.
LH
Lashane H.
Dec 3, 2021
May or may not recommend
I would consider this credit card for people with fair to bad credit. In my opinion secured credit cards charge the lowest fees and offer the best approval odds.
WH
Wendy H.
Nov 5, 2021
May or may not recommend
DO NOT WORK WITH THIS COMPANY!!!
We had a line of credit with Genesis Financial also known as Genesis FS Card Services through Ashley Furniture. We had paid all bills on time, in fact we paid our last $1168.98 on October 24th instead of the usual $100 payment so our account was paid in full a year early, but we just got a bill where it clearly stated that ...Show More
Showing 20 of 35 reviews
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