Milestone® Mastercard® Credit Score Needed: What Are My Chances?
The Milestone® Mastercard® is an unsecured credit card designed for individuals with less-than-perfect credit who are looking to build or rebuild their credit score. Naturally, a key question for anyone considering this card is what credit score is needed for approval. While the Milestone card is more accessible than a card for excellent credit, approval is not guaranteed and depends on several factors.
What credit score do you need?
The Milestone® Mastercard® is primarily marketed to people with bad credit, which generally includes a credit score of 639 or below. While there is no official minimum credit score, data from consumers who have been approved suggests that the card is accessible to those with scores in the bad credit range. Some resources even mention that a score of 500 or above may give you higher approval odds. (Best Odds: FICO® 510 or above and no current delinquencies.)
Factors beyond your credit score
It is important to remember that a credit score is just one piece of the puzzle. When reviewing your application, Concora Credit (the issuer of the Milestone® Mastercard®) will also consider a variety of other factors to determine your creditworthiness.
- Income and debt: You must have enough income to make your monthly bill payments. The issuer will review your income and your existing debt load to ensure you can afford the card.
- Credit history: While the card is for bad credit, a history of major red flags, such as an ongoing bankruptcy, may impact your chances of approval.
- Other requirements: You must be at least 18 years old, have a valid social security number, and a physical U.S. address.
- Application history: Not having had a Milestone Mastercard account that was charged off due to delinquency is another factor.
How to check your eligibility
The Milestone® Mastercard® offers a pre-qualification tool that allows you to check your eligibility without harming your credit score. This is a crucial feature for anyone concerned about their approval odds.
- Soft inquiry: The pre-qualification tool uses a "soft inquiry," which does not show up on your credit report and does not impact your credit score.
- Peace of mind: Using this tool gives you a good idea of your chances of approval before you submit a formal application, which triggers a hard inquiry.
The bottom line on approval
While approval is never guaranteed, the Milestone® Mastercard® is a viable option for many with bad credit. By understanding the credit score range, checking your pre-qualification odds, and ensuring you meet the other application requirements, you can increase your chances of being approved for this card.
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Milestone® Mastercard®
- 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.
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- No security deposit, and a path to better credit.
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FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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