How To Find and Use Your Milestone Credit Card Login

Woman buying online with credit card and a tablet sitting in the garden at home in holiday, Online Shopping Concept.
PATTRAWUT / Getty Images/iStockphoto

Having bad credit can put any future financial plans you have in jeopardy. Making regular payments on a credit card can be a fast-track to improving your credit, as most major credit card companies report to all three of the major credit bureaus. Unfortunately, if you currently have bad credit, getting approved for a credit card can be difficult.

Read: This Credit Score Mistake Could Be Costing Millions Of Americans

The Milestone Mastercard can help you escape from this cycle by providing you with an opportunity to build or rebuild your credit with low credit requirements. Unlike most credit cards, you won’t receive a rejection letter from Milestone due to your credit rating, as these cards are specifically designed for applicants with previous credit struggles. Milestone reports your payments to all three of the major credit reporting bureaus.

If you believe that the Milestone Mastercard is right for your credit building needs, the first step is to apply for a card and activate your login information. Here’s how to get started. 

How To Apply for a Milestone Credit Card

You must apply and be approved for a Milestone credit card before you can create your online account and log in. If you haven’t applied for your card yet, take these steps first.

  1. Visit the Milestone website and click on the area labeled “Quick Pre-Qualification.”
  2. This link will lead you to the pre-qualification application, which you’ll need to submit in order to be considered for a card. To apply, you will need to submit your full legal name, address, email address, phone number, date of birth and your Social Security number.
  3. After entering your personal details, click “Pre-Qualify Now.”
  4. Milestone uses an automated underwriting system, which means that most users will have a decision on whether you’re approved quickly. Wait for your approval, which shouldn’t take more than a few minutes.
  5. If you’re approved, review your approval as well as the rate and annual fee that will come with your card. Interest rates, fees and other expenses will vary depending on the details of your individual application.
  6. Finalize your application with Milestone and double-check that the address you’ve submitted is correct. You’ll receive your Milestone Mastercard and login information in the mail.
Get Credit Card Perks

How To Find and Use Your Milestone Credit Card Login

After you apply for your Milestone credit card and get approved, the company will put together a welcome package for you. This package will include both the physical card that you can use to start shopping as well as your login information. Here’s how to access your online account using your login information when you receive it.

  1. Wait for your Milestone card to arrive in the mail. Most cards arrive within 14 days of being approved.
  2. Visit Milestone’s card activation website. Before you can begin using your card, you must activate both the card itself and your online portal.
  3. Click on the section titled “Register Account.”
  4. Have your login information and card available when you start the activation process. Input your card’s number, your date of birth and your Social Security number to begin activation.
  5. After inputting your information, you’ll be prompted to create a username and password for your account. Follow the prompts to create your login information.
  6. Keep your information in a safe place and finish the final steps of the setup process. Consider enrolling in autopay if you have a history of forgetting to make your credit card payments on schedule.

After your account and your card are activated, you can begin using your benefits. Your Milestone Mastercard will work at any online or in-person retailer that accepts Mastercard. 

How To Improve Your Credit Score Using the Milestone Credit Card

Once you have your active card in-hand, you can start using it to work towards a higher credit score using the following steps:

  1. Use your Milestone card to make a purchase. If your aim is to improve your score quickly, use the card to make a small purchase that you can pay off in-full by the end of the month.
  2. Keep track of your spending using your online portal and be mindful of when your monthly payments are due. 
  3. Using your online account, pay your credit card bill on or before the due date. If you have trouble keeping track of your payments, consider enrolling in autopay before your credit card payment is due.
  4. Make a note of the minimum credit card payment according to the unique terms of your account and be sure that your payment isn’t below the minimum. To avoid paying interest, pay your balance in full each month.
Get Credit Card Perks

Milestone will report all of your payments to the credit reporting bureaus. If you stick to your payment schedule and stay consistent, you’ll see a higher score over time

Final Take

Remember that Milestone doesn’t only report your on-time payments to the credit reporting bureaus — if you miss a payment, Milestone will report this, too. While a Milestone credit card can make it easier to access credit with a low score, it can also hurt your score if you start missing payments.

If you’ve had problems with overspending in the past, you may want to make a single small payment at the beginning of each month before locking the card away. Even if you only use your credit card to pay for a pizza or movie ticket once a month, your score will still improve.

Information is accurate as of Sept. 23, 2022.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

Get Credit Card Perks

Our in-house research team and on-site financial experts work together to create content that’s accurate, impartial, and up to date. We fact-check every single statistic, quote and fact using trusted primary resources to make sure the information we provide is correct. You can learn more about GOBankingRates’ processes and standards in our editorial policy.

Share This Article:

Get Credit Card Perks

About the Author

Sarah Horvath is a skilled copywriter with more than seven years of experience in B2B and B2C copy. She specializes in financial and investment writing, though she also has experience with fashion and home maintenance.
Learn More