Indigo MastercardConcora Credit
Terms checked 2026-10-12
Unsecured approval for bad credit, paid for with one of the heaviest fee schedules in the market.
Special bonusAF: $250Rating: 3.2/10
Concora Credit
Formerly Genesis FS Card Services, Concora services the Indigo, Milestone and Destiny Mastercards through partner banks. All three are effectively one deep-subprime product with fee schedules that can reach $175 in year one plus monthly fees afterward. They exist for unsecured approval after serious credit damage, and almost any secured card is cheaper.
Application Rules
- ▸Soft-pull pre-qualification shows your assigned fee tier before a hard inquiry
- ▸Holding more than one card in the Indigo, Milestone, Destiny family adds fees without adding much credit benefit
- ▸Credit limits are small and fixed; do not expect meaningful credit line increases
Tracked Concora Credit Cards
Milestone MastercardConcora Credit
Terms checked 2026-10-12
The Indigo's twin, with the same heavy fees under a different name.
Special bonusAF: $250Rating: 3.0/10
Destiny MastercardConcora Credit
Terms checked 2026-10-12
The third card in the Concora trio, with the same fees and the same warning label.
Special bonusAF: $250Rating: 3.0/10