Concora Credit
Destiny® Mastercard®
⚠Poor value — we do not recommend this card. It is listed as a cautionary example. The fees are high relative to what you get, and a no-fee secured card builds credit far more cheaply. See the review below for a better alternative.
Cash back only
Annual fee
$75 first year, then $99/yr
Welcome bonus
None
Min spend
N/A
Recommended credit
Poor or rebuilding credit
Offer last verified July 14, 2026. How we verify.
Earning rates
No rewards of any kind
About 35.9% APR
Features & benefits
Annual fee from about $59 up to $175 depending on the offer
Small unsecured credit limit
Reports to all three credit bureaus
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Destiny® Mastercard® lands.
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