Decoding Milestone Cashback Fees: $175 First-Year Annual Fee and Monthly Charges

Because the Milestone® Mastercard® - 1.5% Cashback Rewards offers both an unsecured structure and cash back rewards to consumers with fair credit, it assesses specialized fee maintenance schedules outlined in your cardholder agreement.

The card features a **$175 annual fee for the first year**, which drops to $49 thereafter. Furthermore, while monthly maintenance fees are $0 during the first year, subsequent years bill $150 annually, broken down into convenient **$12.50 monthly maintenance charges**. Purchases also carry a fixed purchase APR of **35.90%**, alongside a 1% foreign transaction fee and late fees up to $40.

Milestone® Mastercard® - $1,000 Credit Limit
Issuer: The Bank of Missouri • Network: MastercardSynced Daily Data Verified: Aug 14, 2026
	Guaranteed $1,000 credit limit if approved. Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms. Don't Have Perfect Credit? No Problem! Join over a million consumers who are working on building their access to credit. Zero Fraud Liability - Peace of mind that comes with having a Mastercard. Get the credit you deserve, even with less-than-perfect history. No security deposit, and a path to better credit. Learn More
Purchase APR Rate: 35.90% - Annual Fee: $250 the first year; $99 thereafter - Monthly Fee: $0 the first year (billed $0 each month); $231 annually thereafter (billed $19.25 each month) - Credit Needed: Fair - Late Payment Fee: Up To $41 - Foreign Transaction Fee: 1% of each transaction in U.S. dollars - Credit Limit: $1000 Rates & Fees

Milestone® Mastercard® - 1.5% Cashback Rewards
Issuer: The Bank of Missouri • Network: MastercardSynced Daily Data Verified: Aug 14, 2026
	Turn everyday purchases into 1.5% Cashback Rewards! A guaranteed $700 credit limit to help get your financial goals on track, if approved. Apply with Confidence! No Impact to your credit score if you cannot be approved. See terms. No upfront security deposit required so you can keep more money in your pocket. Join over a million consumers who are working on building their access to credit. Zero Fraud Liability - Peace of mind that comes with having a Mastercard. A rewards card for people with less than perfect credit! Learn More
Purchase APR Rate: 35.90% - Rewards Rate: Unlimited 1.5% Cashback Rewards earned on every purchase. - Annual Fee: $175 the first year; $49 thereafter - Monthly Fee: $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month) - Credit Needed: Fair - Late Payment Fee: Up to $40 - Foreign Transaction Fee: 1% of each transaction in U.S. dollars - Credit Limit: $700 Rates & Fees

Milestone® Mastercard® with Cashback Rewards
Issuer: The Bank of Missouri • Network: MastercardSynced Daily Data Verified: Aug 14, 2026
	Guaranteed $1,000 credit limit if approved. Fuel your savings: Earn 5% Cashback Rewards on your first $5,000 in gas purchases! See Terms. Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms. Get the credit you deserve, even with less-than-perfect history. Zero Fraud Liability - Peace of mind that comes with having a Mastercard. Don't Have Perfect Credit? No Problem! No security deposit required—get started today! Learn More
Purchase APR Rate: 35.90% - Rewards Rate: Earn 5% Cashback Rewards on your first $5,000 in gas purchases! See Terms. - Annual Fee: $250 the first year; $99 thereafter - Monthly Fee: $0 the first year (billed $0 each month); $231 annually thereafter (billed $19.25 each month) - Credit Needed: Fair - Late Payment Fee: Up To $41 - Foreign Transaction Fee: 1% of each transaction in U.S. dollars - Credit Limit: $1000 Rates & Fees

Milestone® Mastercard®
Issuer: The Bank of Missouri • Network: MastercardSynced Daily Data Verified: Aug 14, 2026
	Guaranteed $700 credit limit if approved. Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms. Don't Have Perfect Credit? No Problem! Join over a million consumers who are working on building their access to credit. Zero Fraud Liability - Peace of mind that comes with having a Mastercard. Get the credit you deserve, even with less-than-perfect history. No security deposit, and a path to better credit. Learn More
Purchase APR Rate: See terms - Annual Fee: See terms - Monthly Fee: See terms - Credit Needed: Fair/Good - Foreign Transaction Fee: 1% of each transaction in U.S. dollars. - Credit Limit: $700 Rates & Fees

Minimizing Expenses and Maximizing Net Value

To ensure your cash back earnings outpace the card's structural maintenance costs, pay your statement balance off in full every month to completely avoid the 35.90% APR. Tracking monthly billing cycles carefully prevents accidental late fees and keeps your credit recovery journey on solid financial footing.

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