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Milestone Gold Mastercard

in Personal Credit Cards from Genesis FS Card Services

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Milestone Gold Mastercard

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in Personal Credit Cards from Genesis FS Card Services

SuperMoney Net Recommendation Score -27

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -27, equating to 2.5 on a 5 point rating scale.

-27

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.

Mostly not recommended

2 users recommend
4 users are unsure
5 users don't recommend
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Highlights
Community Rating Mostly not recommended
Purchase APR  (Fixed APR) 24.9%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 550 - 650
Annual Fee $35 - $99
Number of Reviews 11

Milestone Gold Mastercard Review

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

Key Takeaways
  • High APRs. 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 1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, 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 bad credit. Even if you have poor credit, you may still have good approval odds.
Milestone Gold Mastercard Pros & Cons
The Good The Bad
  • $0 cash advance fee during the first year. After the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100).
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty and price protection on purchases.
  • Travel accident insurance.
  • 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 up to $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.
Milestone Gold Mastercard FAQ

Is there a Milestone Gold Mastercard cash back or rewards program?

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

What are the Milestone Gold Mastercard benefits?

Milestone Gold Mastercard provides the following benefits:

  • 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 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 fixed purchase APR of 24.9%. It also has a fixed 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 on balance transfers?

No, Milestone Gold Mastercard does not come with an introductory APR offer for balance transfers.

Does Milestone Gold Mastercard have an introductory APR offer on new purchases?

Milestone Gold Mastercard does not offer an introductory rate on new purchases.
Milestone Gold Mastercard Purchase Intro Offer
Description

What are the fees for Milestone Gold Mastercard?

The following fees apply to Milestone Gold Mastercard:

  • An overlimit fee of $40.
Milestone Gold Mastercard Fees
Fees Amount
Annual Fee Starting at $35 up to $99
Overlimit Fee $40
Initial Program Fee $25
Foreign Transaction Fee 1%
Returned Payment Fee up to $40
Late Payment Fee up to $40

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?

Yes, 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 may help improve your credit.

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 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: 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.

Contact

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

About Milestone Gold Mastercard

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®

Availability

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

Feature Breakdown

Initial Program Fee $25
No Interest Grace Period for Late Payment 25 days
Paper Statement Fee $0
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 1%
Annual Fee $35 - $99
Minimum Interest Charge $0.50
Over-Limit Fee $40
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 550 - 650
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Price Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 29.9%
Balance Computation Average Daily Balance of Purchases (including new Purchases).
Penalty APR (Fixed APR) 29.9%
Purchase APR (Fixed APR) 24.9%
Card Type
  • Bad Credit
Card Network Mastercard

Milestone Gold Mastercard Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -27, equating to 2.5 on a 5 point rating scale.

-27

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.

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