Milestone Mastercard
By Alex Compton · Last verified
The Indigo's twin, with the same heavy fees under a different name.
Welcome Bonus
None
No welcome bonus; offers range from no annual fee to $250 the first year, assigned at approval
Spend Requirement
None
Annual Fee
$250
1% FTF
Credit Score
Poor
(designed for damaged credit)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome bonus; annual fee $0 to $250 first year by offer | Milestone Mastercard account agreements, CFPB Q2 2026 filing (The Bank of Missouri) → |
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo welcome bonus; fee structure assigned at approval | Archive record · no attached snapshot |
| 2023-01 | $0 | No recorded spend | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- unavailable
Official site (redirects to milestonegoldcard.com) returns Akamai 403; record left unchanged
Milestone Mastercard site → - changed
Agreements show offers from no annual fee (with $3.95 to $9.95 monthly fees) to $250 first year then $99 plus $231/yr monthly fees; 1% FTF; 35.9% APR
Fields: annualFee
Milestone Mastercard account agreements, CFPB Q2 2026 filing (The Bank of Missouri) →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 0xNo rewards: this card exists only to report payment history
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No security deposit required
- ✦Pre-qualification with a soft pull only
- ✦Reports to all three credit bureaus
Why it earns its spot
- +Soft-pull pre-qualification
- +Unsecured approval with deep subprime credit
Where it costs you
- −Up to $250 the first year, then $99 a year plus $231 in monthly fees on the costliest offers; other offers swap the annual fee for a $3.95 to $9.95 monthly fee
- −Total year-two cost can reach $330 on the costliest offer
- −No rewards and roughly 35.9% APR
The Compound Verdict
Milestone and Indigo are the same Concora-serviced product wearing different logos, and the math fails the same way: year-two fees can hit $330 for a card that pays you nothing. Two years of fees here exceed the refundable deposit on most secured cards. Take the deposit route if you possibly can.
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