Destiny Mastercard
By Alex Compton · Last verified
The third card in the Concora trio, with the same fees and the same warning label.
Welcome Bonus
None
No welcome bonus; offers range from no annual fee to $250 the first year, assigned at approval
Spend Requirement
None
Annual Fee
$250
1% FTF
Credit Score
Poor
(designed for damaged credit)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome bonus; annual fee $0 to $250 first year by offer | Destiny Mastercard cardholder agreements, CFPB Q2 2026 filing (The Bank of Missouri) → |
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo welcome bonus; fee structure assigned at approval | Archive record · no attached snapshot |
| 2023-01 | $0 | No recorded spend | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- unavailable
Official site returns Akamai 403; record left unchanged
Destiny Mastercard site → - changed
Agreements show offers from no annual fee to $250 first year then $99 plus $231/yr monthly fees; 1% FTF; 35.9% APR
Fields: annualFee
Destiny Mastercard cardholder agreements, CFPB Q2 2026 filing (The Bank of Missouri) →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 0xNo rewards: this card exists only to report payment history
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No security deposit required
- ✦Pre-qualification with a soft pull only
- ✦Reports to all three credit bureaus
Why it earns its spot
- +Unsecured approval with very poor credit
- +Soft-pull pre-qualification
Where it costs you
- −Offers run from no annual fee to $250 the first year, then $99 a year plus $231 in monthly fees
- −No rewards, no benefits, roughly 35.9% APR
- −Small fixed credit limit
The Compound Verdict
Indigo, Milestone and Destiny are one product in three wrappers, all serviced by Concora Credit. Whichever name appears in your mailbox, the answer is the same: the fees outrun the value, and a no-fee secured card builds credit faster for less money. Use Destiny only if no deposit option exists.
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