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About Our Ratings

Please note: we are not a lender and do not issue credit or loans ourselves. Instead, we work in partnership with reputable credit card companies and lending institutions to connect you with potential offers. All terms—such as interest rates, fees, and approval criteria—are set solely by the lenders and are beyond our control. We do not make credit decisions, nor do we broker or process online loans or lines of credit. Our role is to share your information with our partners to help match you with available offers. However, submitting your information does not guarantee approval. The operator of this website is not a broker, agent, or representative of any lender or credit provider.

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Advertiser Disclosure

We maintain paid partnerships with certain credit card issuers and lending institutions, which means we may receive compensation when you apply for or are approved for financial products through links on our site. While these relationships may influence how products are ranked or featured, we are committed to providing accurate, honest, and helpful information to assist your financial decision-making. Please note that our listings may not cover every available product or offer from all financial institutions.

Concora Credit

For nearly 20 years, Concora Credit has specialized in helping non-prime consumers access the credit they need. As the nation’s largest provider of second-look merchant financing, they enroll around 200,000 new credit cardholders every month. Beyond partnering with retailers, Concora also offers credit cards directly to individuals with poor or limited credit histories—making it easier to get approved when traditional lenders say no. If you’re looking to build or rebuild your credit, Concora Credit could be a smart place to start.

Milestone® Mastercard® with Cashback Rewards

Guaranteed $1,000 credit limit if approved.

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair

  • Annual Fee

    $250 the first year; $99 thereafter

  • Monthly Fee

    $0 the first year (billed $0 each month); $231 annually thereafter (billed $19.25 each month)

  • Regular Purchase APR

    35.90%

  • Rewards

    Earn 5% Cashback Rewards on your first $5,000 in gas purchases! See Terms.

  • Full Details

    Card Page

Indigo® Mastercard® for Less than Perfect Credit

Higher limit than before, still no security deposit required!

  • Card Brand

    MasterCard®

  • Credit Recommended

    Bad/Poor/Fair

  • Annual Fee

    $175 the first year; $49 thereafter

  • Monthly Fee

    $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)

  • Regular Purchase APR

    35.9%

  • Rewards

    n/a

  • Full Details

    Card Page

  • Rates & Fees

Destiny® Mastercard® – Up to 3% Cashback Rewards

No security deposit required—get started today!

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair

  • Annual Fee

    $175 the first year; $49 thereafter

  • Monthly Fee

    $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)

  • Regular Purchase APR

    35.90%

  • Rewards

    Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases and 1% Cashback Rewards on all other purchases

  • Full Details

    Card Page

  • Rates & Fees

Milestone® Mastercard® – 1.5% Cashback Rewards

Unlimited 1.5% Cashback Rewards earned on every purchase

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair

  • Annual Fee

    $175 the first year; $49 thereafter

  • Monthly Fee

    $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)

  • Regular Purchase APR

    See Terms

  • Rewards

    Unlimited 1.5% Cashback Rewards earned on every purchase

  • Full Details

    Card Page

  • Rates & Fees

Destiny® Mastercard® with Instant Credit

A guaranteed $700 credit limit to help get your financial goals on track, if approved.

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair

  • Annual Fee

    $175 the first year; $49 thereafter

  • Monthly Fee

    $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)

  • Regular Purchase APR

    35.90%

  • Rewards

    n/a

  • Full Details

    Card Page

  • Rates & Fees

Milestone® Mastercard®

Greater access to credit than before - $700 credit limit

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair/Good

  • Annual Fee

    See Terms

  • Monthly Fee

    See Terms

  • Regular Purchase APR

    See Terms

  • Rewards

    n/a

  • Full Details

    Card Page

  • Rates & Fees

Destiny Mastercard®

Greater access to credit than before - $700 credit limit

  • Card Brand

    MasterCard®

  • Credit Recommended

    Poor to Good

  • Annual Fee

    See Terms

  • Monthly Fee

    See Terms

  • Regular Purchase APR

    See Terms

  • Rewards

    n/a

  • Full Details

    Card Page

  • Rates & Fees