Milestone Mastercard Milestone Mastercard
A plan byMilestone Mastercard · Mastercard
Milestone Mastercard is an unsecured credit card (a revolving line of credit, no security deposit) for near-prime and subprime profiles, issued by The Bank of Missouri and serviced by Concora Credit. It offers soft-pull prequalification and is accessible even post-bankruptcy, with reporting to the U.S. credit bureaus. It is an option for rebuilding credit history, but on costly terms: a fixed 35.9% APR, an annual fee of $175 the first year and $49 thereafter, and a 3.4/5 Trustpilot rating.
Milestone Mastercard
- Price
- Free
- Annual price
- €175
- Issuance fee
- Free
- FX markup
- 1%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Required staking
- Nessuno
- ATM limit
- Not disclosed
- Net annual cost
- €175
What's included
- $700 credit line standard
- APR 35.90% fixed (top subprime)
- Anno 2: $49 annual + $12.50/mese
- FX 1% (sotto media)
- Issued by Bank of Missouri / Concora
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Mastercard |
|---|---|
| Card type | Revolving credit |
| Backing | Unsecured |
| APR | 35.9% (fixed) |
| Credit limit | €700 |
| Issuing bank | The Bank of Missouri |
| Reports to credit bureaus | EQUIFAX, TRANSUNION, EXPERIAN |
| Issuance fee | Free |
| Annual fee | €175/year |
| Free ATM limit | Not disclosed |
| ATM withdrawal | not declared |
| FX markup | 1% |
| Cashback | Not disclosed |
| On-chain settlement | No |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 5/10 |
| Supported countries | US · 1+ countries |
| Estimated net annual cost | €175/year |
| Regulator | FDIC |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | Bank charter |
Strengths
- prequalification soft pull; zero security deposit; accessibile post-bankruptcy.
- No notable sovereignty advantage documented.
Weaknesses
- ⚠️ APR 35,9%; annual fee $49–175+; Trustpilot 3,4/5.
- Traditional credit card: not self-custody — the account requires full KYC, a credit check, and can be closed or reported to credit bureaus by the issuer.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
It stays in tier C because the terms are onerous: a 35.9% APR, an annual fee up to $175 and a 1% FX markup, against a mediocre 3.4/5 Trustpilot. Soft-pull prequalification, no deposit and post-bankruptcy accessibility make it a fallback for those shut out elsewhere, but the cost-benefit balance does not justify a higher score.
On this lens it is marginal: a full-KYC Mastercard credit card, issued by a U.S. bank (The Bank of Missouri) and US-only, with mandatory credit-bureau reporting and no crypto-native dimension (self-custody, on-chain privacy, censorship resistance). The FX markup and fees the consumer lens penalises are not even relevant here, as the crypto-native criteria are entirely missing.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used Milestone Mastercard, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
History not verifiedWe have not yet completed the incident search for this service: no entries here does not mean no events.
Public reviews
-
App Store ↗
3.0/5
1,402 reviews
No dedicated 'Milestone Card' app exists: the figure refers to the official 'Concora Credit' app, the only one used to manage the Milestone Mastercard; it also covers Indigo and Destiny, so the score reflects Concora's servicing as a whole. Exact figures from the iTunes API. Trustpilot not included: the page blocks automated reading.
Weighted average across 1 public review platform (1,402 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is Milestone Mastercard a safe card?
Milestone Mastercard is an unsecured credit card on the Mastercard network, issued by The Bank of Missouri and serviced by Concora Credit. It is not a deposit account and holds none of your funds: it is a revolving line of credit, so no deposit insurance applies. It is covered by CARD Act consumer protections and activity is reported to the credit bureaus under the FCRA.
How much does Milestone Mastercard cost?
The annual fee is $175 the first year and $49 in subsequent years. Issuance is free. The FX markup is 1%. See the tier table for full conditions.
Does Milestone Mastercard offer cashback?
Milestone Mastercard does not offer crypto cashback.
Is Milestone Mastercard available in Italy?
No, Milestone Mastercard is not currently available in Italy.
Does Milestone Mastercard report to the credit bureaus?
Yes. As a credit card, The Bank of Missouri reports usage and payments to the major U.S. credit bureaus (Equifax, TransUnion, Experian), which is why it is used to rebuild credit history. Missed payments or default can hurt your score and lead to account closure.
Sources
- Official service page Plans & pricing · Regulatory framework · OAM Italy registry · Past incidents · +14 Data verified on Jun 14, 2026
- experian.com Variante credit builder.credit limit eur min · Variante credit builder.credit limit eur max · Credit limit eur min · Credit limit eur max · +1 Data verified on Jul 11, 2026
- milestonecard.com Tipologia carta · Revolving · Secured unsecured · Apr tipo · +5 Data verified on Jul 11, 2026
- moneyatlas.com Apr pct max · Annual card fee · FX markup · Payment network · +11 Data verified on Jul 11, 2026
Show 5 more sources
- wallethub.com Apr pct max · Annual card fee · Card issuance fee · Payment network · +5 Data verified on Jul 11, 2026
- about.concoracredit.com Founders · Legal name · Company type Data verified on Jun 14, 2026
- pitchbook.com Investors Data verified on Jun 14, 2026
- trustpilot.com Past incidents · Trustpilot reviews Data verified on Jun 14, 2026
- nerdwallet.com Annual cost · Variante credit builder.collaterale crypto Data verified on Jun 13, 2026