Understanding the Guaranteed $700 Credit Limit and Unsecured Structure

One of the most frustrating aspects of shopping for a credit-builder card is the uncertainty of what credit limit you will receive upon approval. The Milestone® Mastercard® removes this ambiguity by offering a guaranteed $700 credit limit to approved applicants, entirely without requiring a security deposit.

Understanding how this fixed ceiling impacts your purchasing power and credit utilization ratio helps you establish disciplined budgeting habits from day one.

Milestone® Mastercard® - $1,000 Credit Limit
Issuer: The Bank of Missouri • Network: MastercardSynced Daily Data Verified: Nov 13, 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. Apply Now
Purchase APR: 35.90%Annual Fee: $250 the first year; $99 thereafterMonthly Fee: $0 the first year (billed $0 each month); $231 annually thereafter (billed $19.25 each month)Credit Needed: FairLate Payment Fee: Up To $41Foreign Trans. Fee: 1% of each transaction in U.S. dollarsCredit Limit: $1000 Rates & Fees »

Milestone® Mastercard® - 1.5% Cashback Rewards
Issuer: The Bank of Missouri • Network: MastercardSynced Daily Data Verified: Nov 13, 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! Apply Now
Purchase APR: 35.90%Rewards Rate: Unlimited 1.5% Cashback Rewards earned on every purchase.Annual Fee: $175 the first year; $49 thereafterMonthly Fee: $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)Credit Needed: FairLate Payment Fee: Up to $40Foreign Trans. Fee: 1% of each transaction in U.S. dollarsCredit Limit: $700 Rates & Fees »

Milestone® Mastercard® with Cashback Rewards
Issuer: The Bank of Missouri • Network: MastercardSynced Daily Data Verified: Nov 13, 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! Apply Now
Purchase APR: 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 thereafterMonthly Fee: $0 the first year (billed $0 each month); $231 annually thereafter (billed $19.25 each month)Credit Needed: FairLate Payment Fee: Up To $41Foreign Trans. Fee: 1% of each transaction in U.S. dollarsCredit Limit: $1000 Rates & Fees »

Milestone® Mastercard®
Issuer: The Bank of Missouri • Network: MastercardSynced Daily Data Verified: Nov 13, 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. Apply Now
Purchase APR: See termsAnnual Fee: See termsMonthly Fee: See termsCredit Needed: Fair/GoodForeign Trans. Fee: 1% of each transaction in U.S. dollars.Credit Limit: $700 Rates & Fees »

Managing Your $700 Line Effectively

Because your maximum limit is fixed at $700, keeping your balance low relative to this ceiling is vital. Maintaining a low utilization rate—ideally under 30%, or even lower—signals financial responsibility to major credit bureaus and accelerates your score recovery.

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