The Milestone Gold card is issued by the Bank of Missouri and serviced by Genesis FS Card Services, Inc. This card is specifically designed to help rebuild credit for people with bad credit. Because this card is a Mastercard, you can use it on everyday purchases and it is widely accepted abroad.
It notes that the card “enables you to enjoy the benefits of a Mastercard without the need for a security deposit.” This card doesn’t offer the opportunity to earn any rewards like points or cash-back, however, it does come with some benefits since it is a Mastercard. These additional benefits include:
- Mastercard ID Theft Protection
- Zero Liability Protection (a.k.a. fraud protection)
The Milestone Gold card is an unsecured credit card, which means that you have access to a credit limit without needing to put down a security deposit. Unfortunately, the maximum credit limit offered on this card is $300, with no opportunity for credit limit increases.
In addition, your account history is reported to all 3 major credit bureaus, so this can help you establish a consistent payment record while enjoying the convenience of a credit card.
You can also use this card to take out cash at an ATM (up to your credit limit), but you will incur cash advance fees of the higher of $5 or 5% each time you withdraw money. This is free in your first year, though!
Balance transfers are not allowed with this card.
Milestone Gold Card Application
To apply now for the Milestone Gold card, head over to the website. You can securely input all of the required information in order to check your pre-qualification status before applying for the card!
By prequalifying first, you can check whether or not you are likely to be approved for this card and avoid a hard check (and resulting dig to your credit score) if you’re concerned that you might be declined.
Bottom Line: Note that if you prequalify and choose to actually apply for a card, you will still be hit with a hard inquiry on your credit.
Once you apply, you will typically receive an answer right away. However, if the decision is pending, you can check your Milestone Gold card application status by calling 866-502-6439 and using the automated system. This system is available 24/7. If you prefer, you can also speak to a customer service representative from 6 a.m. to 6 p.m. PST every day.
Minimum Credit Score and Other Requirements
There is no minimum credit score required to be approved for the Milestone Gold card and it is meant to be a great credit-building tool. This means that it has extremely flexible credit requirements in general, including accepting applicants with a history of bankruptcies.
However, there is no guarantee you will be approved for this card even if you have a higher credit score as other factors (like income and debt) are taken into consideration.
To qualify for the Milestone Gold card, you will need to meet certain minimum requirements. To be prequalified or approved, you must:
- Be at least 18 years old (19 in Alabama)
- Apply from a U.S. IP address
- Not have had a Milestone Gold card account that was charged off due to delinquency
- Your name
- Email address
- Physical address
- Date of birth
- Social Security number
- Monthly income and expenses
Bottom Line: Using this information, Milestone will review your income, your debt, and conduct identity verification to determine eligibility.
How To Increase Your Credit Limit
Unfortunately, the Milestone Gold card doesn’t offer any credit increases, even with a history of timely payments.
Hot Tip: You should consider a secured card if you are looking for a card with a higher credit limit. If you are able to make a larger security deposit upfront, the credit limit will generally match your deposit amount.
Milestone Gold Card Online Login
Use Milestone’s website to activate your new Milestone Gold card online and create your online account. You can even log in to monitor your Milestone Gold card account activity, pay your bill, view transactions, and check your balance through this link.
Paying Your Milestone Gold Card Bill
There are multiple options you can use to make payments on your Milestone Gold card.
To access your account, log in to your account and click My Account or via the Bill Pay tab. Once you are logged in to your account, you can enroll to receive paperless statements, check your monthly bills, and make payments via direct deposit or bank transfer.
Hot Tip: You cannot use a debit card to make payments to your Milestone Gold card account.
Be sure to submit your payments by 5 p.m. PST to ensure that it’s credited on the same day.
Unfortunately, there is no Milestone mobile app at this time.
You can make payments by phone by calling Milestone’s customer service line at 866-453-2636. A customer service agent is available between 6 a.m. and 6 p.m. PST Monday through Friday.
You can send a check or money order to pay your Milestone bill by mail. Payments should be mailed to:
Genesis FS Card Services
P.O. Box 84059
Columbus, GA 31908-4059
Hot Tip: Milestone notes that you should allow 7 days for a check to be received and processed. This means you need to plan well in advance of your payment due date to avoid late fees and interest charges.
First, you will need to locate your nearest MoneyGram location. Then you will need the following information:
Company Name: Genesis FS Card Services
Receive Code: 4911