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
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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 |
|---|---|---|---|---|
| 2026-06 | $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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 0xNo rewards: this card exists only to report payment history
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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
- −$175 the first year, then $49 plus possible 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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