Milestone Gold Mastercard

in Personal Credit Cards

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Milestone Gold Mastercard


in Personal Credit Cards

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Who is this credit card designed for?

Milestone Gold Mastercard is a credit card issued by Genesis FS Card Services, which is based in Beaverton, OR. 

Milestone Gold Mastercard is designed for people with a credit score of 550 to 650. 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.

What are the relevant APRs?

Milestone Gold Mastercard has a fixed purchase APR starting at 23.9%.

It also has a fixed cash advance APR starting at 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.

Is an introductory APR offer available?

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

Milestone Gold Mastercard does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to Milestone Gold Mastercard:

  • An annual fee of $99. Make sure the rewards and benefits of this card justify the cost of the annual fee.
  • An initial processing fee of $25.
  • A late payment penalty of $38.
  • A returned payment fee of $38.
  • An overlimit fee of $38.
  • A foreign transaction fee of 1%. Transactions in a foreign currency get hit with a 1% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $10.

Is a rewards program offered?

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

Is a signup bonus offered?

Milestone Gold Mastercard doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

Milestone Gold Mastercard doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 Milestone Gold Mastercard provides the following benefits:

  • Extended Warranty Protection
  • Fraud Liability
  • Price Protection
  • Reports to major credit bureaus

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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  • Headquarters
  • 15220 NW Greenbrier Pkwy
    STE 200
    Beaverton, OR 97006 USA
  • 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®


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

Grace Period for Late Payment (Days)
Annual Fee: See Terms*
Late Payment Penalty
Returned Payment Fee
Initial Processing Fee
Over-Limit Fee
Minimum Interest Charge
Annual Fee
Foreign Currency Transaction Fee
Minimum Age
Co-signing Allowed
Credit Score Range
550 - 650
850 300 550 650
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type
Car Rental Insurance
Extended Warranty
Travel Insurance
Emergency Support
Credit Card Benefits
  • Extended Warranty Protection
  • Fraud Liability
  • Price Protection
Purchases APR
Starting at
Cash Advance APR
Starting at
Balance Computation
Average Daily Balance of Purchases (including new Purchases)
Penalty APR
APR Type
Fixed APR


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