The Concora Credit card family
Concora Credit (formerly Genesis Financial Solutions) does not lend its own money. Instead, it partners with FDIC-insured banks that issue the cards, while Concora Credit handles marketing, applications, customer service and servicing. The three general-purpose cards most people encounter are:
- Milestone® Mastercard® — issued by The Bank of Missouri. The flagship rebuilding card, widely marketed through prequalified mail offers and online.
- Destiny® Mastercard® — issued by The Bank of Missouri. Positioned around a fast decision and quick access to a card.
- Indigo® Mastercard® — issued by Celtic Bank. Aimed at applicants with past credit problems, and historically one of the few unsecured cards open to some applicants with a prior bankruptcy.
Concora Credit also services private-label retail cards used to finance purchases at participating merchants. Those cards can only be used with the specific retailer and work differently from the Mastercard products above.
What every Concora Credit card shares
- Unsecured: no security deposit is required to open the account.
- Soft-pull prequalification: you can check whether you're likely to be approved without affecting your credit score.
- Full credit bureau reporting: activity is reported to Experian, Equifax and TransUnion.
- Mastercard acceptance: use the card anywhere Mastercard is accepted, including online and abroad.
- Online account management: view statements, pay your bill and set alerts. See our account and app page.
- Fee-based pricing: instead of a deposit, the cards typically charge an annual fee and, on some offers, a monthly fee. APRs are high.
- No rewards: the cards are built for credit access and credit building, not points or cash back.
Because these cards are so similar, the right choice usually comes down to one thing: which offer you actually prequalify for, with the lowest total fees for year one and year two. Don't pick on the card name — pick on the disclosure table.
Side-by-side comparison
| Milestone® | Destiny® | Indigo® | |
|---|---|---|---|
| Issuer | The Bank of Missouri | The Bank of Missouri | Celtic Bank |
| Network | Mastercard | Mastercard | Mastercard |
| Deposit | None | None | None |
| Annual fee | Yes, varies by offer | Yes, varies by offer | Yes, varies by offer |
| Monthly fee | On some offers | On some offers | On some offers |
| Foreign transaction fee | Yes | Yes | Yes (lower on some offers) |
| Credit reporting | 3 bureaus | 3 bureaus | 3 bureaus |
| Authorized users | Available for a fee on some offers | Varies | Available for a fee on some offers |
Card terms change. Always rely on the disclosures in your personal offer.
How to choose the right Concora Credit card
- Prequalify first. A soft-pull check shows which cards you're likely to get. There's no benefit in applying for a card you haven't prequalified for.
- Calculate year-one cost. Add the annual fee to 12 months of any monthly fee. Then do the same for year two.
- Compare against your limit. A higher starting limit with similar fees is the better deal because it lowers your utilization.
- Check the extras. Decline optional over-limit coverage and credit protection unless you're certain you need them.
- Plan your exit — or your keep. Decide in advance whether you'll keep the card long-term (for credit age) or graduate to a no-fee card once your score improves.
Before you apply
Gather your legal name, address, date of birth, Social Security number, total annual income and monthly housing payment. Make sure your income figure is accurate — the CARD Act requires issuers to consider your ability to pay. And if you've recently been declined, wait and work on your credit for a few months rather than stacking applications.
Frequently asked questions
Which Concora Credit card is easiest to get?
There is no single easiest card — approval depends on your full credit profile. The most reliable approach is to prequalify, which shows the offers you're likely to be approved for without a hard inquiry.
Can I have more than one Concora Credit card?
Some cardholders do hold more than one Concora-serviced card, but issuers may limit duplicate accounts. Multiple fee-based cards can get expensive, so most people are better served by one card used well.
Do Concora Credit cards have rewards?
No. Milestone, Destiny and Indigo are designed for credit access and credit building and do not earn points or cash back.
Are Concora Credit cards Visa or Mastercard?
Concora's general-purpose cards run on the Mastercard network.
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About the author: Daniel Reyes
Senior Credit EditorDaniel spent 14 years in credit card servicing and collections operations before moving into consumer credit education. He leads ConcoraCreditApp's coverage of unsecured cards for fair and rebuilding credit.
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