Key takeaways
- All three are unsecured cards aimed at fair or poor credit and serviced by Concora Credit.
- Indigo is issued by Celtic Bank; Milestone and Destiny are issued by The Bank of Missouri.
- Terms such as annual fee and APR vary by offer — compare the exact offers you receive.
- A secured card or credit union option can cost less if you qualify.
Quick comparison
| Indigo® Mastercard® | Milestone® Mastercard® | Destiny™ Mastercard® | |
|---|---|---|---|
| Issuer | Celtic Bank | The Bank of Missouri | The Bank of Missouri |
| Servicer | Concora Credit | Concora Credit | Concora Credit |
| Security deposit | None | None | None |
| Aimed at | Fair / poor credit | Fair / poor credit | Fair / poor credit |
| Pre-qualification | Available | Available | Available |
Because fees and APRs on these cards change and differ by applicant, the best comparison is the actual offers you pre-qualify for.
How to compare the offers you receive
- Pre-qualify for each card — soft pulls don't affect your score.
- Compare the annual fee in year one and in later years.
- Compare the purchase APR and any monthly or account fees.
- Compare the starting credit limit after any fee is charged.
- Pick the lowest total cost, not the highest limit.
Which card should you choose?
- Choose the offer with the lowest total yearly cost if you plan to pay in full.
- If you'll carry a balance, the APR matters most.
- If you're offered a $0 annual fee version, that's usually the strongest choice.
Tip: Applying for all three at once means up to three hard inquiries. Pre-qualify for each, then apply only for your best offer.
Cheaper alternatives to consider
- Secured credit cards — a refundable deposit, often no annual fee
- Credit union Payday Alternative Loans (PALs) — APR capped at 28%
- Credit-builder loans from banks or credit unions
Frequently asked questions
Is Indigo or Milestone better?
They're very similar. Compare the specific offers you pre-qualify for and choose the one with the lowest total cost.
Are Indigo, Milestone, and Destiny the same company?
All three are serviced by Concora Credit. Indigo is issued by Celtic Bank, while Milestone and Destiny are issued by The Bank of Missouri.
Can I have more than one of these cards?
Possibly, but each application is a hard inquiry and each may carry its own fee. One well-managed card is usually enough to build credit.
Indigo Card USA is an independent guide and is not the issuer of the Indigo® Mastercard®, which is issued by Celtic Bank and serviced by Concora Credit. Card terms can change — confirm current rates and fees in your cardholder agreement or at indigocard.com.