Milestone Credit Card Limit Info

When you search for credit cards to rebuild credit, the Milestone Credit Card almost always appears. It’s known for being easy to get, especially for people with bad credit or low scores.

But is it worth it? What are the fees? Does it actually help your credit? Here’s a simple, clear breakdown of everything you need to know.

How to Apply for the Milestone Credit Card

If you’re looking for a credit card that’s easy to get approved for, the Milestone stands out because the process is one of the simplest on the market.

Instead of immediately doing a full analysis, they start with a pre-qualification — a quick check that doesn’t impact your credit score.

How to Do the Pre-Qualification (No Impact on Your Score)

This step is super simple. It tells you whether you have a real chance of getting approved — without taking a hard inquiry.

Step-by-step:

Go to the official Milestone Credit Card website.
Click on “Pre-Qualify Now”.
Fill in your basic information:
- Full name
- Address
- Date of birth
- Last 4 digits of your SSN
Submit the form.
In seconds, the system shows whether you’re eligible.

This step is a soft pull, so it does NOT affect your credit score. Great for anyone rebuilding credit who wants to avoid unnecessary score drops.

Documents and Information Needed

To complete the full application, you’ll need:

Valid ID
Full Social Security Number
Proof of address
Income information (you only need to declare it, not prove it)

They use this info to verify your identity and estimate your credit risk.

How Long Does Approval Take?

After submitting your application, you usually get a response in:

5–10 business days via mail
Sometimes instantly, depending on your profile

If approved, your physical card arrives within 14 business days.

What If You Get Denied?

Getting denied isn’t the end! You can:

Check the denial letter to understand the reason
Fix the issue (late account, incorrect data, collections, etc.)
Try again after a few weeks

What Is the Milestone Credit Card?

Now that you know how to apply, let’s go over the basics.

The Milestone Credit Card is a credit card designed for people with poor credit, low scores, or little to no credit history.

It’s issued by the Bank of Missouri and managed by Genesis FS Card Services, companies known for working with consumers who need to rebuild credit.

The big advantage:

You don’t need to make a security deposit, unlike secured credit cards (Capital One Secured, Discover Secured, etc.).

In other words: it works like a regular credit card — but with much easier approval.

How Does the Milestone Credit Card Work?

To understand whether this card is right for you, it’s important to know exactly how it operates.

The concept is simple: you get a low credit limit, pay an annual fee, and use the card for everyday purchases. It doesn’t offer rewards, cashback, or premium perks — the focus is credit rebuilding.

It’s accepted almost everywhere since it’s a Mastercard.

The card has one main purpose:

Help you rebuild your credit score.

Requirements to Get Approved

Getting approved for the Milestone Credit Card is usually easier than with most traditional banks, but it’s not a “guaranteed approval” card. They still check a few basic requirements to make sure you can responsibly manage the account.

The good news? Their criteria are much more flexible than what you’d find with Capital One, Discover or Chase — which is why so many people with past credit issues still get a chance.

Before applying, here’s what they typically look for:

Credit score between 540 and 650 (sometimes even lower)
Valid SSN
No active bankruptcy process
Reported income (doesn’t need to be high)
At least 18 years old
U.S. residential address

Even if your credit history isn’t perfect — or is pretty messy — many applicants still get pre-qualified without any impact on their score.

Milestone Credit Card Fees

Here’s the part everyone wants to know — and where most people take a step back. The Milestone Credit Card is helpful for rebuilding credit, but it definitely isn’t the cheapest option out there.

Like most cards designed for people with bad or limited credit, the fees are higher than average. That’s the trade-off: easier approval, but more costs.

So before you hit “apply,” it’s important to understand exactly what you’re signing up for.

Let’s break down all the fees you might encounter, starting with the annual fee and the interest rates, and then looking at a few extra charges that can pop up if you’re not careful.

Annual Fee

Your annual fee will vary depending on your credit profile:

$35–$75 for the first year
$35–$99 in the following years

The worse your credit, the higher the fee.

APR (Interest Rate)

The interest rate is also high:

24.9% to 36% APR

Bottom line:

This is NOT the card for carrying a balance. Always try to pay your full statement balance each month.

Other Possible Fees

Late Payment Fee: up to $41
Overlimit Fee: up to $41
Foreign Transaction Fee: 1%
Cash Advance: extremely high interest — not recommended

What Is the Initial Credit Limit?

The Milestone Credit Card is known for starting with low limits:

$300 initial limit
No increase in the first months

And now the question everyone asks…

Does Milestone Increase the Credit Limit?

Rarely.
And when they do, it usually takes 6–12 months.

If you’re looking for a card with automatic limit increases, this probably isn’t the best option.

How to Request a Credit Limit Increase

If you want to try, follow these steps:

Log into your account
Go to “Account Services”
Select “Request Credit Line Increase”
Update your income information
Wait for the analysis

Does the Milestone Credit Card Build Credit?

Absolutely — and honestly, this is the whole point of the Milestone Credit Card. It’s not about rewards, cashback, or fancy perks. Its main job is to help you rebuild or establish credit, especially if your score has taken some hits in the past.

The good news? Milestone reports your payment activity every single month to all three major credit bureaus:

Experian
Equifax
TransUnion

This means you can see improvements in your score within 3–6 months if you use it responsibly.

How to Use It to Improve Your Credit

Stay under 30% of your limit
Always pay before the due date
Avoid late fees
Use the card every month (even small amounts)

Benefits of the Milestone Credit Card

The Milestone Credit Card isn’t packed with rewards or flashy perks — and honestly, it doesn’t try to be. What it does offer are practical advantages that matter for anyone rebuilding their credit.

If you’re looking for a card that’s easy to get, doesn’t require a security deposit, and helps you slowly climb back up the credit ladder, Milestone delivers exactly that.

Here are some of the benefits that make it a solid choice for beginners and anyone recovering from past financial issues:

Easy approval
No security deposit required
Accepted worldwide (Mastercard)
Great for rebuilding credit
Reports to all 3 major credit bureaus
Fast pre-qualification process

Disadvantages of the Milestone Credit Card

As helpful as the Milestone Credit Card can be for rebuilding credit, it definitely comes with some drawbacks — and you should be aware of them before applying.

This card is designed for people with damaged or limited credit, so the trade-off is higher costs and fewer perks. If you already have a decent credit score, you’ll almost always find better, cheaper options elsewhere.

Here are the main downsides you should keep in mind:

High annual fee
Low starting credit limit
High APR
No cashback or rewards
Limit increases are rare
No premium benefits

If you already have decent credit, there are much better options.

How to Access Your Milestone Credit Card Account (Login)

A lot of people get confused when trying to log into their Milestone account because the website has different pages for applications, pre-qualification, and card management.

But don’t worry — the actual login process is quick and straightforward once you know where to go.

Here’s exactly how to sign in:

Step-by-step login:

Go to the official Milestone website
Click on “Login”
Enter your username and password
Click “Sign In”

Common Login Issues

It’s pretty normal to run into small login problems, especially if you haven’t used the account in a while. The most common issues include:

Forgetting your username
Forgetting your password
Typos or incorrect information
Your account being temporarily locked for security reasons

How to Recover Access

If you’re unable to log in, recovering your account is easy:

Click on “Forgot Username” or “Forgot Password”
Complete the identity verification steps via email or SMS
Create new login credentials and sign in again

How to Pay Your Milestone Credit Card Bill

Paying your Milestone Credit Card bill is pretty simple, and you can choose the method that works best for you.

Whether you prefer paying online, over the phone, or by mail, the process is straightforward — just make sure to pay on time to avoid late fees and protect your credit score.

Here are all the available payment options:

1. Online Payment

Paying online is the most convenient way to manage your account. Everything is done through your Milestone dashboard.

Log into your account
Go to “Payments”
Add a bank account
Select the amount and confirm

2. Payment by Phone

If you prefer talking to someone (or using the automated system), you can pay by calling customer service.

Call the number on the back of your card
Follow the automated steps or speak to a representative
Provide your bank details and confirm the payment

This option may include a small service fee depending on the type of call.

3. Payment by Mail

This is the slowest method, but it’s available if you prefer mailing a check or money order.

Write your check or money order payable to Milestone
Include your account number on the memo line
Mail it to the payment address shown on your monthly statement

Because mail takes longer, send your payment several days early to avoid late fees.

Is the Milestone Credit Card Safe?

If you’re worried about whether the Milestone Credit Card is legit and secure, the short answer is: yes, it’s safe to use.

Even though it’s a card for people rebuilding credit, it’s still issued by fully regulated financial institutions and backed by Mastercard — which means it follows the same security standards as major banks.

You also get built-in protections that help keep your account and personal information safe, including:

Zero liability for fraud
Purchase protection
Advanced account and transaction security

In other words, the Milestone may be a simple card, but it doesn’t cut corners on safety.

How to Cancel the Milestone Credit Card

Canceling your Milestone Credit Card is a simple process, but it’s something you should handle carefully — especially if you’re rebuilding your credit. Closing a credit card can affect your score, so make sure it’s really the right move before taking action.

Here’s how to cancel your card the right way:

Steps to cancel:

Call Milestone customer service
Request account cancellation
Pay off any remaining balance
Confirm closure via email

Before canceling, remember:

Closing a credit card has real consequences for your credit score. Make sure you understand the impact:

Canceling reduces your total available credit
This may lower your score
Only cancel if you already have another active card with a better limit

If your goal is rebuilding credit, sometimes keeping the card open (even with zero balance) is the smarter move.

The Milestone Credit Card is a great option for anyone starting from scratch or trying to rebuild their credit in the U.S.

It doesn’t offer luxury perks, cashback, or big limits — but it delivers exactly what it promises: easy approval and a real chance to improve your credit score.

If you’re trying to get your financial life back on track, this card can be the push you need.
But once your credit improves, it’s definitely worth switching to a better card.