Destiny® Mastercard®
A $99-a-year credit-building card from Concora Credit.
Rates, fees, and full terms are set by Concora Credit and can change; check Concora Credit’s official terms for current rates and fees before applying.
Our review
The Destiny Mastercard is yet another card from the same subprime family as Milestone and Indigo, with the same pitch: an unsecured card for poor credit, no deposit required, and a fee for the trouble. It earns no rewards.
Annual fees run from about $59 up to $175 depending on your offer, at around 35.9% APR. As with its siblings, the core issue is paying real money yearly for something a free secured card does better.
Think twice if: you can put down a refundable deposit, because a no-fee secured card wins on cost.
Our 3.5 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
There are no rewards. It exists purely to extend a small line of credit.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 0x | Base rate |
| Groceries | 0x | Base rate |
| Gas | 0x | Base rate |
| Travel | 0x | Base rate |
| Streaming | 0x | Base rate |
| Everything else | 0x | Everything else |
The fine print on rates: Another subprime, no-rewards card from the same family as Milestone and Indigo. Annual fee from about $59 up to $175, a ~35.9% APR, and no rewards. It charges fees for a small unsecured limit; a no-fee secured card is better.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.
When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- No security deposit required
- Reports to all three credit bureaus
- Annual fee from about $59 up to $175, no rewards
- About 35.9% APR
- A free secured card is the smarter way to rebuild
The welcome bonus
No welcome bonus, just the annual fee.
Is it worth the annual fee?
The annual fee lands somewhere between about $59 and $175 depending on the offer, at roughly 35.9% APR, with no rewards to offset it. You are paying yearly for a small unsecured limit.
First-year value vs ongoing value
| Welcome bonus | None |
| To earn it | No minimum spend |
| Est. first-year value* | $-99 |
| Est. ongoing value / yr* | $-99 |
There is no lump-sum welcome bonus, so first-year and ongoing value are about the same, roughly $-99 a year on typical spending after the fee. What you see is what you get from day one.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- No rewards of any kind
- Annual fee from about $59 up to $175 depending on the offer
- About 35.9% APR
- Small unsecured credit limit
- Reports to all three credit bureaus
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
If you cannot do a deposit and drew a lower-fee offer, it can technically work, but a no-fee secured card, Discover it Secured or Capital One Platinum Secured, builds credit just as effectively for nothing.
Destiny, Milestone, and Indigo are essentially the same product wearing different names. Compare any of them against a free secured card and the secured card wins.
Alternatives to the Destiny® Mastercard®
Pairs well with
The Destiny® Mastercard® earns a flat rate on everything, so pair it with a category card or two to earn more where you spend the most.
Frequently asked questions
Best-card guides featuring this card
Learn more
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.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
