Cash Back Up to 1.5% on every purchase 0% Intro APR Up to 21 months on select cards Fair Credit OK Unsecured, no deposit options Business Cards Earn rewards on business spend Free to Apply Pre-qualify with a soft check Cash Back Up to 1.5% on every purchase 0% Intro APR Up to 21 months on select cards Fair Credit OK Unsecured, no deposit options Business Cards Earn rewards on business spend Free to Apply Pre-qualify with a soft check
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AdvertisementMilestone Mastercard with Cashback Rewards

Milestone® Mastercard® with Cashback Rewards: 1.5% back while you build

An unsecured Mastercard that pays unlimited 1.5% cash back on every purchase while you build credit. Independent review by onekeyfinancial.com.

Unlimited 1.5% cash backNo security depositReports to all 3 bureaus
See If I'm Eligible

Apply with confidence: if you are not approved, a hard inquiry will not appear on your credit report, so your score is not impacted.

Credit limit
Up to $700
Security deposit
None
Bureau reporting
All 3
Rewards
1.5% cash back

At a glance

The Milestone® Mastercard® is an unsecured credit card built for people with less-than-perfect credit who want to build or rebuild their history. Unlike a secured card, it does not require a refundable deposit, and if you are approved you receive a credit line up to $700. It is a real Mastercard, accepted everywhere Mastercard is, and it reports to all three major credit bureaus so responsible use is recognized.

Key benefits

  • Unlimited 1.5% cash back on every purchase, applied automatically, while you build credit.
  • Apply with confidence. If you are not approved, a hard inquiry will not appear on your credit report, so your score is not impacted.
  • Reports to all three bureaus. Experian, Equifax, and TransUnion see your on-time payments, which can help your history.
  • Real Mastercard acceptance anywhere Mastercard is welcome, in stores and online, plus standard Mastercard protections.

How it works

  1. See if you are eligible Start your request in a couple of minutes. You will see the offer terms before you commit to anything.
  2. Submit your application Applications are subject to issuer review, which may include obtaining your credit report, and approval.
  3. Build with on-time use If approved, use the card responsibly and pay on time. Activity reports to all three bureaus each month.

Ready to see the offer terms for your situation?

Check My Eligibility

Rates and fees

The Milestone Mastercard is built for rebuilding credit, so its pricing runs higher than a prime card. The exact annual fee and terms you are offered depend on your credit profile, and this offer may be unique to the link above. Always review the full terms on the issuer's secure site before you apply.

Annual fee$75 in the first year, then $99 (varies by offer)
Purchase APRAround 35.9% (see terms)
Credit limitUp to $700 if approved
Security depositNone (unsecured)
RewardsUnlimited 1.5% cash back

Who it is for

A good fit if you

  • Are building or rebuilding credit
  • Want an unsecured card with no deposit
  • Want to check eligibility without risking your score if you are not approved
  • Value all-three-bureau reporting

Maybe not if you

  • Can qualify for a low-fee or rewards card
  • Want cash back or points
  • Prefer to avoid annual fees entirely
  • Will carry a balance at a high APR
Common questions

Frequently asked questions

If you are approved, your new account and a credit inquiry will appear on your credit report. If your application is not approved, a hard inquiry will not appear on your credit report, which means your credit score will not be impacted.
No. The Milestone Mastercard is unsecured, so there is no refundable deposit like a secured card. If approved, you receive a credit line set by the issuer, up to $700.
It is designed for less-than-perfect credit. Applications are subject to issuer review, which may include obtaining your credit report, and approval is not guaranteed. If you recently applied for or already have a Milestone Mastercard, you may not be approved.
Yes, to all three major bureaus. Paying on time and keeping your balance low can help you build a positive payment history.

See if the Milestone Mastercard is your fit

$700 credit limit · No security deposit · Reports to all 3 bureaus

Apply With Confidence
Back to all credit cards

The Milestone® Mastercard® is issued by The Bank of Missouri (tbom) pursuant to a license from Mastercard and serviced by Concora Credit Inc. Applications are subject to issuer review (which may include obtaining your credit report) and approval; to be approved you must meet the issuer's requirements for creditworthiness, ability to pay, and identity verification. If you have recently applied for or already have a Milestone Mastercard, you may not be approved. This offer may be unique and can only be guaranteed when using the link provided; other offers for this card may feature different terms and conditions. Annual fees, APRs, and credit limits vary by applicant. onekeyfinancial.com is an independent comparison service and may be compensated when you apply, which never changes your terms. This is an advertisement.

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