MastercardDestiny Mastercard
The third card in the Concora trio, with the same fees and the same warning label.
Welcome Bonus
None
No welcome bonus; fee structure assigned at approval
Spend Requirement
None
Annual Fee
$175
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.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
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
- −$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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