Concora Credit Inc Credit Cards

Concora Credit Has 3 Similar Credit Cards

Concora Credit Inc used to be Genesis Financial, which was rebranded in September 2023. Concora has three major unsecured credit cards which are targeted at people with bad credit. They are the Milestone Mastercard, the Destiny Mastercard and the Indigo Mastercard.

All 3 Credit Cards have the same Fees, Rates and Credit Limits

All three Concora credit cards have the same fees and rates. Let's go through them in greater detail.

Annual Fee - The Milestone, Destiny and Indigo Mastercard all have annual fees of $175 during the first year. After the first year the annual fee is reduced to $49.

Monthly Fee from 2nd Year Onwards - From the second year onwards, a monthly fee of $12.50 is charged to the cardholder. This works out to $150 annually.

APR - All Concora credit cards have 35.9% APR.

Credit Limits - All Concora credit cards have $700 credit limits. The $700 limit will stay the same and never increase.

Other Similar Features

Mobile App

Before Genesis Financial was rebranded as Concora Credit, all their credit cards did not have a mobile app. But after the rebrand, the introduced their Concora Credit app in both Android and IOS stores. Cardholders can now manage their account directly from the app. They can even pay their bills from there and set up autopay.

1% Foreign Transaction Fees

Concora credit cards have lower foreign transactions than the typical credit card. While the average foreign transaction fee on a credit card is 3%, all Concora cards only charge 1% for foreign transaction fees.

No Pre-approval Process

Prior to the rebrand when all of Concora's credit cards had $300 credit limits, they allowed you to go through a pre-approval process which had no impact on your credit score. If you did not qualify or were not pre-approved, it did not impact your FICO score. But with the lauch of their new $700 credit limit credit cards, they have done away with the pre-approval process. Instead, you simply apply straight away and there will be a hard inquiry. And you will know if you get approved instantly.

Bankruptcy OK

All Concora credit cards will approve applicants who have been discharged from a prior bankruptcy.

Only Difference is Their Issuing Bank

The only real difference between all Concora credit cards is that they have different issuing banks.

• Destiny Mastercard - issued by First Electronic Bank
• Milestone Mastercard - issued by Bank of Missouri
• Indigo Mastercard - issued by Celtic Bank

Common Mastercard Benefits

All Concora credit cards offer the following Mastercard benefits:

• Mastercard ID Theft Protection™ - Provides thorough identity monitoring covering your social security number, email addresses, debit cards, credit cards, bank accounts, usernames and passwords for web logins etc


• Zero Liability protection - When you use your Mastercard, you are not held responsible for unauthorized transactions.


Concora credit cards do not offer auto collision damage waiver insurance when you use the card to rent a car.