Concora Credit Credit Cards

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Please find below credit cards offered by Concora Credit.

Compare Concora Credit Credit Cards

Indigo® Mastercard® for Less than Perfect Credit

3.46 out of 5 rating3,059 Reviews

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Rates & Fees

3.46 out of 5 rating3,059 Reviews

1.8WalletHub Rating

WalletHub Rating

1.8

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

2.0

User Reviews

3.4

Market Comparison

1.6

fees: 1.5

rewards: 0.0

cost: 0.6

Other Features: 5.0

One-Time Fees$0

Regular APR35.9%

One-Time Fees

Regular APR

35.9%

annual fee

$175 1st yr, $49 after

monthly fee

$0 1st yr, $12.50 per month after

minimum credit

Bad

WalletHub's Take: The Indigo Credit Card is an expensive credit card for people with bad credit, offering a $700+ credit limit with no security deposit needed. The Indigo Card has an annual fee of $175 for the first year ($49 after), which is joined by a monthly fee after 12 months.

Pros

Qualify with bad credit
Does not require security deposit

Cons

High membership fees
High regular APR
Foreign fee

Additional Info

Get the credit limit you deserve—$700 guaranteed if approved
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.
Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
Don't Have Perfect Credit? No Problem!
No security deposit, just purchasing power.

Pros, Cons, & Details

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Destiny Mastercard®

2.97 out of 5 rating332 Reviews

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Rates & Fees

2.97 out of 5 rating332 Reviews

1.8WalletHub Rating

WalletHub Rating

1.8

Editor’s Rating

2.0

User Reviews

2.9

Market Comparison

1.6

fees: 1.5

rewards: 0.0

cost: 0.6

Other Features: 5.0

One-Time Fees$0

Regular APR35.9%

One-Time Fees

Regular APR

35.9%

annual fee

$175 1st yr; $49 after

monthly fee

$0 1st yr, $12.50 after

minimum credit

Bad

WalletHub's Take: The Destiny Mastercard® is not a good option for most people because it charges high fees and has a 35.9% APR. The Destiny Mastercard® can help people with bad credit improve their credit score and borrow modest amounts, but other cards can do the same thing at a lower cost.

Pros

Qualify with bad credit
Does not require security deposit

Cons

High membership fees
High regular APR
Foreign fee

Additional Info

A guaranteed $700 credit limit to help get your financial goals on track, if approved.
Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
No security deposit, and a path to better credit.
Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
Get the credit you deserve, even with less-than-perfect history.
An unsecured card great for everyday purchases

Pros, Cons, & Details

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Destiny Mastercard® Cashback Rewards

2.56 out of 5 rating57 Reviews

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Rates & Fees

2.56 out of 5 rating57 Reviews

2.2WalletHub Rating

WalletHub Rating

2.2

Editor’s Rating

2.0

User Reviews

2.6

Market Comparison

2.2

fees: 1.5

rewards: 5.0

cost: 1.1

Other Features: 5.0

One-Time Fees$0

Regular APR35.9%

One-Time Fees

Regular APR

35.9%

annual fee

$175 intro 1st yr, $49 after

monthly fee

$0 intro 1st yr, $12.50 per month after

rewards rate

1.5% Cash Back

minimum credit

Bad

WalletHub's Take: The Destiny Mastercard® Cashback Rewards card is a very expensive unsecured credit card for people with bad credit. It could potentially be worth it if you need to borrow a small amount for an emergency and you can take full advantage of the card’s rewards.

Pros

Qualify with bad credit
Does not require security deposit

Cons

High membership fees
High regular APR
Foreign fee

Rewards Details

Turn everyday purchases into 1.5% Cashback Rewards!

Additional Info

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!

Pros, Cons, & Details

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Milestone® Rewards Mastercard®

3.92 out of 5 rating39 Reviews

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Rates & Fees

3.92 out of 5 rating39 Reviews

2.4WalletHub Rating

WalletHub Rating

2.4

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Market Comparison

2.4

fees: 1.3

rewards: 5.0

cost: 1.7

Other Features: 5.0

One-Time Fees$0

Regular APR35.9%

One-Time Fees

Regular APR

35.9%

annual fee

$175 1st year, $49 after

monthly fee

$0 1st yr, $12.50 after

rewards rate

1.5% Cash Back

minimum credit

Bad

WalletHub's Take

Pros

Qualify with bad credit
Does not require security deposit

Cons

High membership fees
High regular APR
Foreign fee

Read our editor's full Milestone® Rewards Mastercard® review.

Rewards Details

Unlimited 1.5% Cashback Rewards earned on Every Purchase.
Earned Cashback Rewards Credited Each Month

Additional Info

Apply with Confidence! There is no impact to your credit score if you're not approved. If your application is not approved, a hard inquiry will not appear on your credit report, which means your credit score will not be impacted.
Guaranteed $700 credit limit if approved.
Don't Have Perfect Credit? No Problem!

Pros, Cons, & Details

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Concora Credit Credit Card Reviews

3.3

What's Your Rating?

Ja Gr
November 24, 2025 • @jazminegraves19

The overall process is slightly odd. I was approved over a month ago and still have not received my card. I applied for an Indigo card literally a week after receiving approval for a Milestone card. That card arrived within seven days, actually earlier than that. It's very confusing that my card from Milestone was mailed out on October 24th, and as of November 24th, I still have not received my card.

Product: Milestone® Mastercard®

Comment

rae po
November 22, 2025 • @reddstewart12

Fees are much too high; they take way too long to update your available credit limit after payments are processed. The card sometimes declines transactions for no reason. Needless to say, I will be paying this card off as soon as possible and will stop using it.

Product: Milestone® Mastercard®

Comment

stephanie kovack
November 9, 2025 • @cheaterneverwin6713

Verified Customer

I had gotten approved for this account in May. It's now November, and I still have not received my physical card in the mail. I don't understand it. I call, can't get through; I email them, can't get through, so I report my card lost so they would send me a new one, but still no card. It's annoying and mind-blowing, like what is going on with my card? What do I have to do to get my card? And there was a $212 fee to get the card with a $700 credit limit, so I have $498, and I haven't gotten a bill yet or my card, but when I look up my account, that's what it's telling me. I'm so fed up, I tell you, they got one more chance to send me a card, or I'm going to dispute this charge as soon as possible.

Product: Indigo® Mastercard® for Less than Perfect Credit

Comment

stephanie kovack
November 6, 2025 • @cheaterneverwin6713

Verified Customer

Great card! I wish I could receive it in my mail. I have had this account since May and still haven't gotten my card. I reported it stolen so I would get a new one, but still nothing. Ridiculous!

Product: Milestone® Mastercard®

Comment

nomadjim95
October 30, 2025 • @nomadjim95

I am rebuilding my credit, just like most people who would get one of these cards... no other reason would anyone accept the interest and fees associated with this company.

Anyway, I made my first payment and paid off the card, including the initial $125 yearly fee, and it was credited and made available the next day, which was great. The next week, I owed them $400 and paid them $400; the money was taken out of my account, but my available balance was not credited. I figured it would take another day... nothing, so another day, nothing; so on day 3, after funds had been taken out of my account, I called and asked. I was told that they are allowed to keep the funds for 14 days before allowing it to reflect... so I explained to them that the vast majority of their customer base is either working to rebuild credit or just starting out and establishing credit. I explained to a supervisor that no one in a financially secure position would ever do business with them and that by these tactics, they are hurting the people they claim to be helping.

I let them know that their actions are very shady and that I do not wish to do business with a company that could care less about their customers... Luckily, I am able to live life uninterrupted due to their tactics and will cancel this card within the first year or two once I have my points and history and a better card, etc.

But I did tell them how I felt. I can only imagine the struggling single parent out there trying to achieve certain goals only obtainable with credit... where they're using and paying off credit cards, only for this to happen. What if they planned on living on that balance for a week or two, or whatever... Anyway, that's my two cents.

If you can get a better card, do it, and you won't regret it.

Product: Concora Credit Credit Cards

Comment

Sarah Master
October 30, 2025 • @skmasterman

THEFT*** SCAM*** Loan indicates interest fee for 6 months. But they don’t tell you about the 4.95 monthly service fee AND NO WHERE IN TERMS DOES IT STATE THEY CHARGE YOU INTEREST ON THAT SERVICE FEE. When I brought it up to multiple managers I was told there was nothing they can do and one rep even hung up on me. When this is paid off I’ll be contacting my lawyer.

Product: Concora Credit Credit Cards

Comment

Demetrius Morgan
October 23, 2025 • @demetriusmorgan

Verified Customer

The company is subpar. They have a high annual fee. They are absolutely horrible with no reward points or benefits. I highly recommend that you do not engage with this company whatsoever. Take it from me, go in the other direction and don't look back.

Product: Concora Credit Credit Cards

Comment

lori moore
October 19, 2025 • @ljm71171

I have a 700-dollar credit line but was cut off from being able to use the remaining 400 due to lack of payment. I just started using this card two weeks ago. I was told two different stories by employees. Someone needs to correct this issue and allow me to use the credit that I was approved for.

Product: Milestone® Mastercard®

Comment

Julie Sh
October 12, 2025 • @sheadjulie9

0 stars. High interest. I have made this mistake once . Nope. Terrible. Deceptive and predatory. This "company" is a con job. I even got a representative to admit it. Dumped and paying off . ... Absolutely DO NOT make this mistake. I shouldn't have to call about a late charge, especially when I even paid extra. Dump asap, or don't get it. Only putting the 1 star because it's required for the review I give this Concora credit a rating of -5 stars.

Product: Concora Credit Credit Cards

Comment

Frances Ohanenye
October 9, 2025 • @fohanenye

Verified Customer

Talk about predatory lending and confused company. In 2024, Destiny issued a credit card to me with a $1,000 limit. I appreciated the opportunity. Without an explanation (not lateness, delinquency, or gross negligence on my part), Destiny closed the account. I called. They couldn't find a reason, so I was asked to reapply. I did, and a new card was issued in April 2025 with the same credit limit. I used the card a few times. It was shut down a few months after for "suspicious reasons." I didn't complain about missing or lost card. I told them that the card was in my possession, not captured by a scammer or compromised in any way. Another card was reissued in late July 2025. They requested my identfication AFTER the card was already issued. I sent the documents. They claimed they never received the documents as of October 8, 2025. I was out of the country for a month (August to September). Due to this company's confusing, confused, and volatile nature, I left the card in the U.S. I tried to use the card today after my return. I was informed that the card had been closed permanently. Again, it was not closed for delinquency, gross negligence, lateness, or anything that I could fathom. I did not use it. It was not lost, stolen, or compromised. I demanded to speak with a supervisor. The woman asked me to reapply. I am too tired to deal with this confused, confusing, and volatile company. Sayonara. Good bye.

Product: Concora Credit Credit Cards

Comment

Review Concora Credit Credit Cards

Concora Credit Credit Card Q&A

Get answers to your questions about Concora Credit Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Upvotes

How can I log in to my Destiny Mastercard account online?

Chip Lupo, Credit Card Writer

You can log in to your Destiny Mastercard® account by going to the login page on the issuer website and entering your Username and password in the appropriate fields. Then, click “Log In” to access your online account.

How to Log In to a Destiny Card Account

Go to the Destiny Card login page.
Fill out the “Username” and “Password" fields with your credentials.
Click “Log In” to access your account.

After you have logged in, you'll be able to manage your Destiny Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.

In case you forget your login information, you can click “Forgot Your Username or Password?” on the issuer login page and follow the prompts to reset or retrieve your username or password.

Upvotes

How do I pay my Indigo credit card bill?

Maria Adams, Credit Cards Moderator

You can make an Indigo Mastercard for Less than Perfect Credit payment online, by phone, by mail or at a store. To pay an Indigo Credit Card bill online, log in to your online account and click on "Bill Pay." Then, choose how much to pay, when to pay it, and where the payment is coming from. Celtic Bank does allow cardholders to set up automatic payments, too.

Ways to Make an Indigo Credit Card Payment

Online:...

Upvotes

How can I get the Indigo Credit Card app?

Evelyn Boros, Credit Cards Moderator

To get the Indigo Credit Card app, download it for either iOS or Android from the card's issuer. Then, log in with the same credentials you use for your online account. With the issuer's app, you can manage your Indigo Credit Card account on-the-go, among other things.

What You Can Do with the Indigo Credit Card App

Manage your account
See transaction summary
Pay your bill
View your balance and statements
Activate your card

Upvotes

What's the starting credit limit for the Destiny Credit Card?

Sydney Garth, Credit Cards Moderator

The starting credit limit for the Destiny Card is $700. Unlike in the case of most credit cards on the market, you cannot request a credit limit increase for it.

The Destiny card is an unsecured credit card designed for people with bad credit. If used responsibly, it can help you bring up your credit score. This, in time, will qualify you for cards with higher credit limits.

Upvotes

How do I check my Destiny Card application status?

Chip Lupo, Credit Card Writer

You can check your Destiny Card application status by calling 1 (800) 583-5698. When you call, you'll need to provide the the required information so that Bank of Missouri can match you to your application. Bank of Missouri does not allow you to check your application status online

How to Check Your Destiny Card Application Status

Call 1 (800) 583-5698.
Follow the automated prompts that lead to an application status check or connect with a representative and...

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