Milestone Gold Mastercard®

  • Instant pre-qualification is available for those who qualify
  • Less than perfect credit is okay
  • Access your account online or from your mobile device 24/7
  • Choice of card image at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Good Credit, Fair Credit Personal $35 - $99* N/A* N/A 24.9% None


Quick Summary:
This Mastercard offer is issued by Genesis FS Card Services. This card is intended for consumers, or "personal use" with a good to perfect credit history. Rates may vary among applicants, however the lowest standard APR is 23.9%* (Variable)*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is an annual fee of $35 - $99** for this card. This normally exists for "first year reduced annual fee" offers, or minimum spending requirements for the annual fee to be waived. You should read the additional details at the issuer's website or terms and conditions from the application for more information.

Rewards:
This is not a rewards card.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 613 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Genesis FS Card Services product.

Other Basics:
The grace period listed for the Milestone Gold Mastercard® is at least 25 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This card contains the brand of Mastercard, where acceptance is global. Most businesses that accept credit cards will accept Mastercard as a form of payment (subject to available credit).

Approval Rate:
There were 3 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 100% of those applicants were approved.

This card has a very poor approval or acceptance rate. Since this is a card for good credit, there may be a strict standard for qualifications, including credit record and income level. Furthermore, if your FICO score is close to or higher than 613, then your chance of approval may be even greater.

Approval Time:
Great news for applicants that do not want to wait on a application status. This card offer may give instant approval decisions. Remember, this may not be true in all cases, where application information may not be complete, questionable or for other reasons. When applying on-line, the system will normally show your approval status shortly after submitting your application. Credit cards normally take 1 or 2 weeks to arrive after your application is approved.

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