The Milestone® Mastercard® is an unsecured credit card designed for people with challenged or “below-average” credit who need to build or rebuild their credit history. It’s issued by Bank of Missouri and serviced by Concora Credit (a Utah-based company).
Because it does not require a cash deposit, new applicants get an initial credit line of up to $700 – roughly $525 after the first-year annual fee is deducted. This makes Milestone an option for those who can’t afford a secured card deposit, but it comes with significant costs: a high APR (around 35.9% variable), an annual fee of $175 in Year 1 (then $49 thereafter), and a $12.50 monthly fee in Year 2 and beyond.
In short, Milestone is a credit-builder card: it reports your payment history to all three major credit bureaus (Equifax/Experian/TransUnion) so on-time use can slowly boost your credit score. But it offers no rewards or promotions and carries hefty fees, so it’s usually only recommended if you truly need credit and have limited options.
- Credit-building: Because Milestone reports to the bureaus, using it responsibly (keeping balances low and paying on time) can help rebuild credit.
- No security deposit: Unlike a secured card, you don’t need to tie up cash to qualify.
- Who qualifies: Applicants typically need a fair-to-bad credit score (often in the 560–640 range). The card will even consider people recently discharged from bankruptcy (as long as you have no unpaid charge-offs) and generally rejects applicants with very low scores or active delinquencies.
- Limit & Fees: You get a fixed $700 limit that (unfortunately) does not increase over time. The full $700 is available before fees, but the Year 1 annual fee ($175) is taken from your line immediately, leaving $525 of usable credit initially. Starting Year 2, your available credit will be $700 minus the $49 annual fee, and you’ll also owe $12.50 per month (about $150 a year).
- Costs: Keep in mind the very high interest rate (35.9% APR) – you should pay in full each month if possible, otherwise the balance will quickly grow. There is no grace on interest if you carry any balance. Also note there are late fees (about $41) and a small foreign transaction fee (1%).
- Limited perks: Milestone has no rewards program (no cash-back or points). Its main “benefit” is simply giving you a chance to rebuild credit if you manage it well.
In short, the Milestone Credit Card is for people who need an unsecured card to build credit and have few alternatives, and who can budget around its steep fees. Experts rate it modestly (WalletHub gives it ~3/5): it’s easy to get if you qualify, but the high costs mean you should use it only as long as absolutely needed to improve your credit.
How to Apply for the Milestone Credit Card
Applying for the Milestone Credit Card is straightforward, though it requires a hard credit check. You can apply online at the card’s official website (typically the MilestoneGoldCard or Milestone Mastercard portal) or through partner sites. Here are the key points:
- Where to apply: Visit the official Milestone Mastercard application page. (This might be through Milestone’s own site or a related link – for example, WalletHub and others link to milestone.myfinanceservice.com or milestonegoldcard.com.) The site will have an “Apply Now” button.
- Required information: The online form will ask for personal details: name, address, Social Security number, date of birth, and financial info (income, housing payments, etc.). Because there’s no security deposit, the issuer will review your creditworthiness – expect a hard credit pull. If you’re missing information, you can call their application center for help.
- $700 limit: All approved Milestone cards come with a $700 credit limit. (This replaced an older $300 version of the card.) The promotional $700 is not a “guarantee” of approval – it’s simply the maximum limit you get if approved.
- Pre-approval offers: Milestone generally does not offer instant prequalification online. However, Concora Credit (the card’s servicer) sometimes sends pre-approved “invitation” offers by mail or email to certain customers. If you receive a mailer with an invitation code, you can use that code on the Milestone site to identify your pre-approved offer. Otherwise, any application will result in a hard inquiry and you’ll see an immediate approval/denial.
- What to expect: After submitting your application, you’ll usually get an instant decision on-screen. If approved, your first bill will include the full first-year annual fee (so your initial available credit will be $525). If denied, the issuer must mail you a notice explaining why (per credit laws).
In short, applying is like most cards: go to the secure Milestone application page, fill in your details, and submit. If you have a special invitation code, use it, but don’t rely on any “pre-approval” promise – you’ll need to meet the credit requirements. On approval, you should receive the card in a few weeks.
How to Log In to Your Milestone Account
Once you have a Milestone Credit Card, you can manage it online through Concora Credit’s secure portal. To log in or set up online access:
milestone.myfinanceservice.com (Concora’s site for Milestone Mastercard). You can also find the login by searching for “Milestone Mastercard login”.2. Register if new: If this is your first time online, click “Register” on the login page. You’ll be asked to verify your identity by entering your 16-digit card number, date of birth, and Social Security number. Then you’ll create a User ID and password (note: no spaces allowed).
3. Logging in: Once registered, enter your User ID and password on the login page and click “Log In.” This will give you access to your Milestone credit card account.
4. Forgot credentials: If you ever forget your login or password, use the “Forgot your Username or Password?” link on the login page. It will guide you through resetting or retrieving your info.
5. Mobile app login: You can also log in via the Milestone/Concora mobile app (details below). Use the same User ID/password.
After logging in, you’ll see your account dashboard: your current balance, available credit, due date, etc. You can view statements, set up alerts, pay bills, and update your profile. The online portal is available 24/7 and is the primary way to access your account beyond paper statements.
Example: A quick way to find the login is to search for “Milestone Credit Card login” or “Milestone login credit card”, which should point you to the official Concora login page (milestone.myfinanceservice.com).
Making Payments (Online, Phone, Mail, Cash)
You have several options for paying your Milestone card bill:
- Online through your account: Log in at the Milestone portal and click “Make a Payment.” Choose the amount to pay (minimum due, statement balance, or a custom amount), the date, and the bank account to debit. Your payment is processed immediately or on the date you select. This is convenient for one-time or scheduled payments.
- AutoPay (automatic payments): You can enroll in AutoPay so payments occur automatically. To set this up, log in and go to the Payments or AutoPay section of your account. Enter your bank’s routing and account numbers and specify whether to pay the minimum due, statement balance, or another fixed amount each month. Once set up, the required funds will be withdrawn from your bank account on the due date each cycle. (Concora also allows you to enroll by calling customer service, but online/app setup is easiest).
- Pay by phone: You may also be able to pay by phone. Concora’s support line (866-502-6439) can often take payments – just call and follow prompts (or speak to a representative) and provide your card number and bank info. Some users report calling 1-800-305-0330 for Milestone specific issues. In any case, calling customer service at 866-502-6439 is a good way to confirm phone-payment options.
Pay by mail: To pay by mail, write a check or money order (no cash!) to Concora Credit (or “Milestone Mastercard”). Include your Milestone account number on the memo line. Mail it to the address on your statement. In general, the correspondence address is:
(Always double-check the exact mailing address on your billing statement or the Concora site before sending payment.). Mail payments should be sent well before the due date to ensure on-time credit.
In-person cash payments: Unique to some Concora cards, Milestone accepts MoneyGram and PayNearMe payments. These allow you to pay in cash (or at cash participating stores) without mailing a check. To use these, log in to your account to get a payment code, or follow the instructions in your statement. Then at participating MoneyGram or 7‑11/Family Dollar stores, you pay cash and provide the Milestone code. This credit posts to your card account. (This is handy if you don’t have a bank account.)
In summary, online and auto-pay are the simplest options (via the secure portal). But you can also pay by phone or mail, and third-party cash payments are supported via MoneyGram/PayNearMe. Always verify the due date and minimum before paying. If you ever need help making a payment, call Milestone’s support (e.g. 866-502-6439) to confirm your options and avoid late fees.
Milestone Credit Card Mobile App
Milestone cardholders can manage their account on the go using the Concora Credit mobile app. (This app services Milestone, Destiny, Indigo, and other cards by Concora.) The app is free on both Android and iOS (search your app store for “Concora Credit”). Key features include:
- View account info: Check your current balance, available credit, recent transactions, and statements at any time.
- Activate card: If you received a new Milestone card, you can activate it through the app. (The app explicitly supports card activation, as noted in its description.)
- Make payments: Pay bills directly from the app by linking a bank account. You can pay on demand or set up automatic payments.
- Alerts and settings: Turn on notifications for due dates or low balances, and update your profile or password.
- Security: The app requires your login just like the website, and it uses encryption to protect your data.
According to the Google Play store, the app is actively updated (latest update April 2025) and has a solid rating (about 4.1★). In fact, the app description highlights that you can “activate your card, make payments, [and] stay up to date with your transactions”. In practice, cardholders report mixed experiences (some reviews mention login glitches), but it is the official mobile channel for managing Milestone accounts.
Tip: Once you install the Concora app, simply log in with the same User ID/password you set up for the website. The app then gives a mobile-friendly dashboard. It’s useful for checking your balance or making a quick payment when away from a computer.
Activating Your Milestone Card and Initial Setup
When you receive your new Milestone Mastercard in the mail, you must activate it before use. There are two common activation methods:
- Phone activation: Call the toll-free number printed on the sticker covering the new card. This is often an automated system (or you can speak to a rep) that will activate the card once you verify your identity (e.g. by providing your SSN).
- Online activation (via app): As noted above, the Concora Credit app allows you to activate the card. Open the app and look for an “Activate Card” option – just enter the card number or scan the card to activate it.
Either way, after activation your card is live and ready. Next, be sure to register for online access (see the previous section) so you can manage the account on the website. During this initial setup, you will create your Milestone User ID and password and verify your personal info.
Finally, set up any requested account features: for example, you might want to establish AutoPay right away (to avoid missing payments). You may also want to request your 4-digit PIN (if you plan to use the card for cash advances or PIN-based purchases). According to Milestone’s FAQs, you can request a PIN by calling their number (for example, 866-453-2636).
Summary of setup: Activate by phone or app. Register online with your card number. Set your login credentials. Then enroll in billing alerts or AutoPay as desired. This way your Milestone card is fully ready for use.
Milestone Customer Service and Support
If you need help with your Milestone account, there are a few ways to reach customer service:
- Phone support: The main support line for Milestone Mastercard is 866-453-2636 (available 6:00am – 6:00pm Pacific Time on weekdays, per Milestone’s information). When calling, be prepared to enter or speak your Social Security number to verify your identity. Some users also report the Milestone site list 800-305-0330, but the most reliable number appears to be the Concora line above. Use these numbers for general questions, to make a payment by phone, to request a PIN, or to report a lost/stolen card.
- Mail: You can write to Concora Credit, PO Box 4477, Beaverton OR 97076-4477 if needed. This is useful for disputes or formal notices.
- Email/Online: The official Milestone/Concora website may have a secure messaging center after you log in. Some sources also mention an email like [email protected] for inquiries (always verify any email via the official site or statement).
- Hours: On the Concora site, credit card support hours are often listed. For example, one FAQ notes 6am–6pm PT, Monday–Friday, though you should check the latest info when you call.
- Lost/stolen: If your card is lost or stolen, call immediately. The same numbers apply. (Usually 24/7 hotlines exist for fraud – check the back of your card for a toll-free emergency number.)
In addition, the Concora website’s Contact Us page suggests calling 866-502-6439 for credit card questions. This is a general line for all Concora cardholders (including Milestone). It can also help with payments and accessing the online system. In practice, either number should eventually route you to assistance for your Milestone card.
If you’re searching online, phrases like “Milestone credit card customer service” or “Milestone Mastercard support” should point you to the Concora/Bank of Missouri help pages. The Milestone portal and statements list the official contact info.
Reviews and Credit-Building Potential
What do users and experts say? Reviews of the Milestone Credit Card are mixed, as expected for a subprime card. On one hand, it’s often praised as an accessible unsecured card for people with poor credit. WalletHub’s editor notes that Milestone can be “one of the better options” for someone needing an emergency credit line without a deposit. It’s easy to get (assuming you meet the minimum criteria), and it doesn’t hold you back from building credit. In other words, if you use it responsibly it can help raise your score over time, as any on-time payment on a revolving account gets reported to the bureaus.
On the other hand, the fees are the big downside. Experts emphasize that Milestone’s high fees and APR make it expensive. WalletHub’s review warns that the Year 1 fee ($175) “will eat into your credit line” and that the APR is far above average. Credit Karma points out that even though Milestone doesn’t require a deposit, the effective cost (fees plus reduced credit) is significant. Many reviewers advise using this card sparingly and only paying off the balance in full each month to avoid interest.
In practical terms, customers typically start with the full $700 line, but after the fees their usable credit is smaller. One review notes that after the first-year fee the $700 limit is effectively $525 in buying power. If that meets your needs, fine – but if not, you might consider a secured card alternative, which usually has lower overall cost (a deposit you get back later).
Is Milestone good for building credit? Yes, it can be used to build credit, as long as you treat it well. There’s nothing special beyond what any credit-builder card offers: keep your balance well below the limit (experts recommend under 30% utilization) and always pay on time (or early). Doing that consistently will generate positive payment history on your credit reports. The card does not penalize you for “only” carrying a small balance, so you won’t be penalized for being responsible. In fact, Milestone’s main purpose is credit rebuilding – it even approves some post-bankruptcy applicants that more stringent cards might deny.
However, remember: on-time payments are crucial. If you miss payments, not only will you owe late fees, but your credit could actually suffer. So many reviewers stress using automatic payments or calendar reminders to avoid any slip-ups. The good news is that Milestone allows autopay and offers multiple payment channels (online, phone, mail, MoneyGram) to make paying easier.
User satisfaction: Actual cardholder reviews vary. Some people appreciate that Milestone offers a route to credit when others won’t. Others dislike the app (some report login glitches) or the cost. Common threads: customer service can be slow, and it may take a day or two for online payments to post. But overall, if your goal is rebuilding credit and you’re aware of the fee structure, reviewers say it does what it’s supposed to do: give you a credit line and report you to the bureaus.
Bottom line: The Milestone Credit Card is a tool for rebuilding credit, not a bargain. If you use it as a training wheel (small charges, always on time, and quick pay-off), it can help. If you treat it like a long-term spending card, you’ll lose money to fees and interest. Reviews from financial sites like WalletHub and Credit Karma generally conclude: it’s “worth it” only if you truly need an unsecured card and have no better option. Otherwise, consider alternatives (like secured cards or credit-builder loans) that may have lower costs.
