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If you have a low credit score, qualifying for a credit card can be challenging. At the same time, a new credit card can be essential to repairing your credit. In this catch-22 situation, your options may be limited.
Concora Credit (formerly Genesis Financial Solutions) is one of the companies that offers credit cards for customers in these situations, providing three card options for people with bad credit.
Editor’s note
Genesis Financial Solutions rebranded to Concora Credit in September 2023. All information below reflects this change.
Comparing the best Concora credit cards
When your credit isn’t in ideal shape, many of your available credit card options may be limited to secured cards, which require a security deposit at the time of application. Concora credit cards offer unsecured options, but they all come with significant ongoing fees.
*The information about the Destiny® Mastercard® with Instant Credit has been collected
independently by Bankrate.com. The card details have not
been reviewed or approved by the card issuer.
Bankrate score
2.1
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Intro offer
Intro offer is not available for this Destiny credit card.
N/A
Rewards Rate
N/A
Annual fee
$175 the first year; $49 thereafter
Regular APR
35.90%
Bankrate’s view
The Destiny Mastercard offers a $700 credit limit if approved, with no deposit required. You can add the card to your digital wallet after approval and use it immediately while you wait for your physical card to arrive. After the first year, the card costs a whopping $199 in combined fees to keep open, which cuts into your already lower credit limit.
Pros
Instant approval lets you use your credit card as soon as you’re approved.
All credit histories are considered for this card, meaning you don’t need an established credit history.
Cons
Numerous fees can significantly reduce your credit limit.
The high APR can make carrying a balance an expensive problem with this card.
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Intro offer is not available for this Indigo credit card.
N/A
Rewards Rate
N/A
Annual fee
$250 the first year; $99 thereafter
Regular APR
35.9%
Bankrate’s view
The Indigo Mastercard might be an option if you are desperate to rebuild your credit or have gone through a recent bankruptcy. You can check your eligibility with a soft credit check, which won’t further decrease your credit score. However, like its counterparts, the lower credit limit and high fees make it challenging for these cards to maintain long-term. Also, depending on your creditworthiness, you aren’t guaranteed to get the best terms available.
Pros
You can determine your eligibility with a soft credit inquiry.
Your card activity is reported to all three credit bureaus each month to help rebuild credit history.
Cons
There are no perks or rewards offered with this card.
The lower credit limit makes keeping a low credit utilization ratio difficult.
Card Details
Get the credit limit you deserve—$1,000 guaranteed if approved
Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Get the credit you deserve, even with less-than-perfect history.
Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
This rating reflects the average overall score given by real cardholders in response to questions about this card's benefits, rewards, customer service, and data security.
Bankrate score
2.5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Intro offer is not available for this Milestone Mastercard credit card.
N/A
Rewards Rate
N/A
Annual fee
$250 the first year; $99 thereafter
Regular APR
35.90%
Bankrate’s view
The terms of the Milestone Mastercard are identical to those of the other two Concora cards. The $1,000 credit limit gives you a better chance to have a lower credit utilization ratio, which can help improve your credit score faster. However, you may be offered many versions of this card through different websites and pre-screened offers. You can choose your card design with this card, but like the others, aim to build toward better options as quickly as possible.
Pros
The higher credit limit gives you space to improve credit utilization.
This card can be more accessible than a secured card since a deposit isn’t required.
Cons
You may not be offered the most favorable version of this card.
Excessive fees weigh down your credit limit.
Card Details
Guaranteed $1,000 credit limit if approved.
Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Don’t Have Perfect Credit? No Problem!
Join over a million consumers who are working on building their access to credit.
Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
Get the credit you deserve, even with less-than-perfect history.
The Indigo Mastercard might be an option if you are desperate to rebuild your credit or have gone through a recent bankruptcy. You can check your eligibility with a soft credit check, which won’t further decrease your credit score. However, like its counterparts, the lower credit limit and high fees make it challenging for these cards to maintain long-term. Also, depending on your creditworthiness, you aren’t guaranteed to get the best terms available.
Pros
You can determine your eligibility with a soft credit inquiry.
Your card activity is reported to all three credit bureaus each month to help rebuild credit history.
Cons
There are no perks or rewards offered with this card.
The lower credit limit makes keeping a low credit utilization ratio difficult.
How to choose the best Concora credit cards
Concora credit cards all have similar features, which are extremely minimal. There’s no significant reason to choose one card over another. Concora cards charge exorbitant fees and don’t offer rewards or any other benefits in return.
However, each card is a Mastercard that reports your credit history to all three credit bureaus, which can help improve your credit score when you demonstrate responsible use. Your primary focus should be to qualify for better cards with more favorable terms and lower fees as quickly as possible.
Concora credit cards generally have similar terms and conditions. While there may be some variation depending on which card you qualify for, here is a rundown of terms you might see:
Regular APR: 35.9 percent
Monthly fee: $0 for the first year, $231 annually after that (billed $19.25 per month)
Annual fee: $250 the first year; $99 thereafter
Cash advance fee: 5 percent of each transaction (minimum $5, maximum $100)
Foreign transaction fee: 1 percent of each transaction in U.S. dollars
Overlimit, late or returned payment fee: Up to $41
Credit protection fee (optional): monthly fee of $1.49 per $100 of your monthly statement balance
Overlimit coverage (optional): Up to $41 per cycle, up to two additional overlimit fees if your new balance remains over your credit limit on the payment due date
Frequently asked questions
Since Concora credit cards are intended for subprime customers, there’s a good chance you can qualify regardless of your credit situation. In case you don’t qualify, the issuer may suggest other options and won’t perform a hard inquiry of your credit.
Genesis Financial Solutions rebranded itself as Concora Credit in September 2023.
Concora doesn’t offer credit limit increases on any of its cards.
What’s next?
Check out these Bankrate tools to match your next card.
Concora offers credit cards for customers with low credit scores or limited credit history who don’t have many other options. However, these cards come with high ongoing fees and should only be considered a hopefully brief stepping stone on your credit-building journey. Your goal should be to improve your credit score as quickly as possible through responsible use so you can qualify for better cards with more favorable terms and lower fees.
*Information about the Destiny Mastercard® – $700 Credit Limit and Indigo® Mastercard® has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuers.
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APA:
Flanigan, R. (2024, December 21). Best Concora credit cards. Bankrate. Retrieved May 18, 2025, from https://www.bankrate.com/credit-cards/issuers/concora-credit/
