The Internet's Most Trusted Credit Card Resource Directory

Research

Find the right credit card to fit your finance lifestyle.

Compare

Compare your credit card to thousands of credit cards.

Apply

Apply now for the credit card that works best for you.

Millennium Advantage Pre-Paid MasterCard®

The Millennium Advantage Pre-Paid MasterCard®, issued by New Millennium Bank, is a stored value card designed for those who may have difficulty in obtaining an unsecured credit card. This card requires the cardholder to make payments in advance, which are then used to offset future purchases made with the card. The card can be loaded by account-to-account transfers via the Internet, through payments sent by mail, or at load stations from authorized load partners. There is a $1 fee charged for every reload. There are other fees associated with this card as well, including an activation fee of $99.00 and a monthly participation fee of $5.95 ($71.40 annually). In the first year alone, a cardholder can expect to pay a minimum total of $170.40 in fees. It is important to note this card does not report cardholder transactions to credit bureaus, which may be considered a major drawback for those who are trying to establish credit. Therefore, those who are looking for a stored value card and do not need to build credit may find the Millennium Advantage Pre-Paid MasterCard® to be a suitable option.

Reviewers Ratings:

Basic Credit Card Information

Introductory Rate:

No Introductory Rate Available

Rate Applied To:

Additional Details:

Regular APR:

Variable or Fixed:

Annual Fee:

Annual Fee Details:

None

Application Fee:

$99

Participation Fee:

$71.40 ($5.95 monthly)

Reload Fee:

$1.00

Inactive Fee:

$3.00 Monthly (after 60 days of inactivity)

Total First Year Fees:

$170.40

Types Of Rewards:

Apply for your Millennium Advantage Pre-Paid MasterCard® card today!

Credit Card Review

This review was updated

Reward Program Information

Type Of Rewards:
Reward Program Optional:
Optional programs may have a fee. See There is a bill payment fee of $0.75 per transaction for any bill payments made online or by phone. There is a $.75 fee for each ATM inquiry or ATM inquiry decline. There is a $.50 automated voice response fee each time cardholders call 1-877-868-0849 to check the card balance. There is a call center fee of $1 per minute each time cardholders speak with a customer service representative. There is a $9.95 card replacement fee if a card is reported lost or stolen. See website for complete terms and conditions of card usage and application disclosure. for details.

For Cards with Cash Back Incentives

Lowest Possible Rebate:
Highest Possible Rebate:
Additional Rebates:
Rebate Details:

For Cards with Point Incentives

Points Per Dollar Spent:
Additional Points:
Point Details:

For Cards with Airline Incentives

Miles Per Dollar Spent:
Additional Miles:
Program Details:

Rewards Expiration Period:

Annual Limit:

Additional Credit Card Perks

Various Internet account related services. See website for additional benefits.

Special Notations about the Millennium Advantage Pre-Paid MasterCard®

There is a bill payment fee of $0.75 per transaction for any bill payments made online or by phone. There is a $.75 fee for each ATM inquiry or ATM inquiry decline. There is a $.50 automated voice response fee each time cardholders call 1-877-868-0849 to check the card balance. There is a call center fee of $1 per minute each time cardholders speak with a customer service representative. There is a $9.95 card replacement fee if a card is reported lost or stolen. See website for complete terms and conditions of card usage and application disclosure.

Always read the credit card's There is a bill payment fee of $0.75 per transaction for any bill payments made online or by phone. There is a $.75 fee for each ATM inquiry or ATM inquiry decline. There is a $.50 automated voice response fee each time cardholders call 1-877-868-0849 to check the card balance. There is a call center fee of $1 per minute each time cardholders speak with a customer service representative. There is a $9.95 card replacement fee if a card is reported lost or stolen. See website for complete terms and conditions of card usage and application disclosure. before applying!

Credit Card Issuers

Credit Card Features

Additional Information

Millennium Advantage Pre-Paid MasterCard®