Have a Question?

You have questions, we have answers. Here are some common questions. See our uncommon answers below.

Reaching a Milestone

Who can apply for the Milestone® Gold MasterCard®?

Anyone who is interested in establishing or re-establishing their credit can apply for the Milestone Gold MasterCard. You must be pre-qualified in order to submit a credit application. To be eligible to submit a request for pre-qualification, you must:
i. Be at least 18 years of age (19 in Alabama)
ii. Have not submitted a pre-qualification request in the last 60 days

Why should I apply for the Milestone Gold MasterCard?

The Milestone Gold MasterCard reports to all three major credit bureaus and gives you the chance to establish a consistent payment record while enjoying the convenience of a credit card.

How do I pre-qualify for the Milestone Gold MasterCard?

Anyone who would like to establish or re-establish their credit can request to be pre-qualified. It takes only minutes to see if you are pre-qualified. Click here to see if you pre-qualify now.

What are the "MasterCard Gold Card Benefits?"

The Milestone Gold MasterCard offers cardholders additional benefits, including "MasterRental Insurance," "Extended Warranty Coverage," "Master RoadAssist Service" and "Travel Assistance Services." You'll receive a complete "Guide to Benefits" that details all of the program terms and conditions when you receive your card.

What if I have limited credit/bad credit/no credit?

The Milestone Gold MasterCard is a good choice for you! Click here to get pre-qualified now

How can this card help me build a good payment record?

By making regular on-time monthly payments, you can demonstrate the kind of financial responsibility that many lenders look for when evaluating your creditworthiness. And remember, your on-time payment history with the Milestone Gold MasterCard is reported to all three major credit bureaus.

Why is a good payment record important?

Establishing a good payment record may help you qualify for better rates on mortgages, car loans, and other forms of credit.

Who issues the Milestone Gold MasterCard?

The Milestone Gold MasterCard is issued by Mid America Bank & Trust Company, a FDIC-insured financial institution based in Dixon, MO.

Who is Milestone? Can I trust them?

Milestone is the name of this credit card program issued through Mid America Bank & Trust Company, a well-established, FDIC-insured Missouri bank, founded in 1920. Mid America Bank & Trust Company and Genesis Bankcard Services, Inc., the servicer of this program, have a long track record of providing access to credit and quality customer service to people just like you.

Who should I contact if I have questions about applying?

Our Customer Service representatives are here to help. If you have any questions about this offer, give us a call at 1-866-453-2636 (from 6:00am to 6:00pm, Pacific Time, M-F).

Can I apply over the phone?

While we offer customer service assistance at 1-866-453-2636 (from 6:00am to 6:00pm, Pacific Time, M-F), we do not offer an apply-by-phone option at this time. Please Click here to get pre-qualified online.

Will I definitely be approved?

Although our credit criteria is designed to help many people who would like a credit card, we cannot guarantee 100% approval. We will review your pre-qualification request and application closely to determine whether you meet the qualifications for this offer.

When will I receive my card?

In most cases, your new card will arrive within 14 business days of being approved. If you'd like to receive your card faster, you can select the Milestone Gold MasterCard Priority Processing option for a nominal fee and receive your card faster.

What if I don't receive my card within two weeks?

If you do not receive your card within 21 days after being approved (7 business days if you selected Priority Processing), please contact our Lost/Stolen Department immediately at 1-888-260-4532. They are available 24 hours, seven days a week.

What will my credit line be?

Your credit line will be determined once your application has been reviewed and approved. The minimum credit line for the Milestone Gold MasterCard is $300. See the Terms and Conditions for additional disclosures.

Can I open more than one account?

You may only open one account at this time.

Can I transfer a balance to my new Milestone Gold MasterCard?

At this time we do not offer a balance transfer option.

What are the APR, fees and credit line available for the Milestone Gold MasterCard?

You can find the answers to this information and more in the Terms and Conditions.

Using Your Milestone Gold MasterCard

Where can I use my Milestone Gold MasterCard?

You can use your Milestone Gold MasterCard for purchases and cash advances anywhere you see the MasterCard logo, at over 33 million locations in 210 countries.

Can I use my Milestone Gold MasterCard to get a cash advance?

Yes, subject to credit approval, you can use your Milestone Gold MasterCard for cash advances at many financial institutions worldwide. Please read your Cardholder Agreement (upon approval) for more information on cash advances. Once approved, you may call and request a personal identification number (PIN) to be sent to you in the mail; your PIN allows you to securely access cash at many ATMs.

Can I manage my new Milestone Gold MasterCard account online?

Absolutely! Once you are approved and receive your new credit card, you can create a login and password on our secure site, www.mymilestonecard.com. You can then start managing your new account online.

Will my Milestone Gold MasterCard offer fraud protection?

If your card is lost or stolen, please call 1-888-260-4532 right away. If your card is lost or stolen and used without your permission, you may not be responsible for those charges.