Milestone Gold Mastercard: How to Apply

I am sure you know that rebuilding your credit can feel like swimming against the storm. You need access to credit to demonstrate responsible usage but it’s tough to qualify when your score is poor. This makes it difficult to establish the positive history needed to secure lower interest rates eventually.

Milestone Gold Mastercard

The Milestone Gold Mastercard is a secured card that provides the opportunity to build your credit back up over time. With no credit check required, rewards on every purchase, and tools to monitor your score, the Milestone Gold Mastercard aims to support your credit recovery journey.

In this post, we will look at the features, fees, and eligibility of the Milestone Gold MasterCard.

Rewards Gained on Every Purchase

A unique feature of the Milestone Gold Mastercard is the ability to earn rewards points on every dollar spent. This sets it apart from most other secured cards.

You’ll earn:

  • 1 point per $1 on all card purchases
  • 8 points per $1 on hotel and car rentals booked through Milestone Rewards
  • 15 points per $1 when redeeming rewards for travel via Milestone Rewards

Points can be redeemed for cash back, gift cards, travel, and more. This incentivizes responsible card usage that in turn helps rehabilitate your credit.

Fees Associated with the Card

While the rewards potential is enticing, the Milestone Gold Mastercard does come with several fees to factor in:

Set Up Fee

  • $29 account set up fee

Monthly Fee

  • $5.95 monthly servicing fee

Annual Fee

  • $35 billed the first year
  • $99 each subsequent year

ATM Withdrawal Fee

  • $2 for U.S. ATM withdrawals
  • $5 for international ATM withdrawals

So be prepared for these ongoing costs if you choose this card for rebuilding credit. The fees can add up but may be worthwhile for access to active credit improvement.

How to Monitoring Your Credit Journey with the Card

A helpful perk of the Milestone Gold Mastercard is the ability to monitor your VantageScore 3.0 credit score for free. Your score will be checked when your account is opened and monthly thereafter.

Watching your score steadily improve can provide the motivation needed to stick with positive habits. A Score Simulator is also available to model how certain actions may impact your credit profile and score.

The ability to track progress sets this secured card apart from competitors when trying to rehabilitate credit.

Who Is This Card Best Suited For?

The Milestone Gold Mastercard targets those looking to actively rebuild their credit with the help of a secured card, including:

  • Anyone with poor or limited credit history
  • Those with scores below 600 due to past mistakes
  • Anyone rebuilding after financial setbacks or bankruptcy
  • New U.S. citizens establishing credit for the first time

The card provides an opportunity to prove yourself trustworthy of credit once again. Just be ready to fund the required security deposit to get started.

Important Factors to Consider

Before applying for the Milestone Gold Mastercard, be sure to weigh:

  • Your budget for the deposit and ongoing fees
  • Whether you need access to credit immediately
  • Other ways to build credit for free over time
  • Eligibility for student or secured cards from major issuers

While a viable option, this card does have limitations to factor into the equation if your primary goal is boosting credit. Do the math to ensure it aligns with your financial situation.

Tips to Get Quick Approval Regardless of Your Credit Profile

Unlike most credit cards, the Milestone Gold Mastercard does not require a credit check or review your credit reports prior to approval. Instead, it uses a “soft pull” to confirm your identity without impacting your credit score.

Approval is based on submitting an upfront security deposit, which determines your initial credit limit.

Here’s how it works:

Deposit at least $200 to establish a starting credit line

Deposit up to $1,000 upon approval to secure a higher limit

This fully refundable deposit acts as collateral if you were to default on payments. Once the deposit is made, you gain access to a Visa credit card to begin actively rebuilding credit.

How to Apply for the Milestone Gold Mastercard

Ready to apply for the Milestone Gold Mastercard? You can submit an application online in minutes:

  • Go to and click “Apply Now”
  • Provide your personal details including full name, home address, date of birth, and Social Security Number.
  • Select the refundable security deposit amount you wish to submit ($200 minimum). This will determine your initial credit limit.
  • Agree to the terms and conditions and submit your application.
  • If approved, your card will arrive within 7-10 business days.

No credit check is required but make sure all information submitted is accurate. Funds for your desired deposit must be available upon approval to establish your credit line.

How to Activate Your Milestone Gold Mastercard

Once you receive your new card in the mail, activation is easy:

  • Locate the sticker on the front of the card showing your activation code.
  • Call the number listed on the back of the card or the sticker.
  • When prompted, enter your account number, expiration date, and 4-digit activation code.
  • Follow steps to create your card PIN and complete activation.

Now you can begin using your Milestone Gold Mastercard to start rebuilding credit.

Managing Your Account Online

After activation, register your card on the Milestone website:

  • Visit and click “Register”
  • Provide your card details and create login credentials.
  • You can now log in anytime to view your credit score, make payments, set up autopay, check transactions, and more.

Be sure to make at least the minimum payment by each due date to avoid late fees and further credit damage. Tracking your monthly credit score progress can help you stay motivated!


The Milestone Gold Mastercard provides an opportunity to actively rebuild your credit with a secured card and even earn rewards along the way.

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