Milestone® Mastercard®

The Bank of Missouri Mastercard Unsecured Pre-qualify

Annual fee

$75

Purchase APR

35.90%

Min. deposit

None

Credit needed

Poor

Your approval odds Good · 75%

Rewards: No rewards programme

The full terms

Annual fee	$75
Purchase APR	35.90% variable
Security deposit	None required
Credit limit	$300 – $700
Minimum score	500+ (Poor)
Foreign transaction fee	1%
Reports to	Experian, Equifax, TransUnion
Upgrade path	No published upgrade path
Pre-qualification	Yes — soft pull, no impact to your score

Who this card suits

Milestone® Mastercard® is aimed at people in the poor range. It's unsecured, so no deposit is tied up — but that convenience is paid for through the annual fee and a higher APR. Check whether a secured card would cost you less overall.

Worth doing the maths. The $75 annual fee against a starting limit of $300 means roughly 25% of your available credit goes to the fee in year one. A secured card with a refundable deposit is often cheaper over two years — compare before you apply.

Using it to actually raise your score

Pay on time, every time. Payment history is the biggest single factor in your FICO score. Set autopay for at least the minimum.
Keep utilisation low. Stay under 30% of your limit, ideally under 10%. On the starting limit of $300 that's $90 and $30 respectively.
Don't chase more cards yet. Every application is a hard inquiry. Let this one age.

Before you apply. Rates, fees and deposit requirements are set by the issuer and change often. Confirm the current terms on the issuer's own application page — the figures here were last reviewed 2026-08-24 and are not a guarantee of the terms you'll be offered.

Milestone® Mastercard®

What works

What to watch

The full terms

Who this card suits

Using it to actually raise your score

Similar unsecured cards

Capital One QuicksilverOne Cash Rewards

Mission Lane Visa® Credit Card

Petal® 1 "No Annual Fee" Visa®