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Concora Credit
CARD ALTERNATIVES

Concora Credit Inc. is the nation's leading provider of private-label credit programs for non-prime consumers. The company offers financing solutions that help customers with less-than-perfect credit histories access the financing they need.
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UNFORTUNATELY, WE DO NOT CURRENTLY OFFER ANY ONLINE APPLICATIONS FOR THIS BANK.

  • Best Cards
  • Excellent / Good Credit
  • Fair / Bad Credit
  • Limited/No Credit
Viewing 1 - 2 of 3

our choice

on First Tech's secure website

Rating 4.5

Excellent / Good / Fair Credit

KEY FEATURE

  • Earn 1 point for every $1 spent on everyday purchases

CREDIT LINE

  • $500 - $25,000

ANNUAL FEE

  • None

REGULAR APR

  • 13.24% - 18.00% Variable APR

BUILD CREDIT

  • Yes

KEY FEATURE

  • Chime® Checking Account and $200 qualifying direct deposit required to apply. Eligibility requirements apply for Credit Builder metal card

CREDIT LINE

  • See terms

ANNUAL FEE

  • $0

REGULAR APR

  • 0%

BUILD CREDIT

  • Yes

KEY FEATURE

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

CREDIT LINE

  • Up to $1,000 credit limit subject to credit approval

ANNUAL FEE

  • As low as $85

REGULAR APR

  • 29.99% or 36% Fixed

BUILD CREDIT

  • Yes
Viewing 1 - 2 of 3

our choice

on First Tech's secure website

Rating 4.5

Excellent / Good / Fair Credit

REWARDS BONUS

  • Earn 10,000 bonus reward points after $2,000 in purchases made within 60 days of account opening

REWARDS

  • Earn 1 point for every $1 spent on everyday purchases

ANNUAL FEE

  • None
on First Tech's secure website

Rating 4.5

Excellent / Good Credit

REWARDS BONUS

  • Earn 20,000 bonus Rewards Points when you spend $3,000 within 60 days of opening your new card

REWARDS

  • Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases

ANNUAL FEE

  • None

Rating 3.9

Excellent/Good Credit

REWARDS BONUS

  • N/A

REWARDS

  • Earn cash back on everyday purchases with the Owner's Rewards Card by M1. Then, reinvest your rewards for long-term growth.
  • Get a baseline of 1.5% cash back on everyday purchases, and unlock higher rewards tiers of 2.5%, 5%, and 10% cash back with M1 Plus.

ANNUAL FEE

  • $0
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our choice

KEY FEATURE

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

REGULAR APR

  • 29.99% or 36% Fixed

ANNUAL FEE

  • As low as $85

KEY FEATURE

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

REGULAR APR

  • 29.99% or 36% Fixed

ANNUAL FEE

  • As low as $85

Rating 3.8

Fair Credit

KEY FEATURE

  • Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card

REGULAR APR

  • 35.99%*

ANNUAL FEE

  • $75.00 1st year, $48.00 after*
Viewing 1 - 2 of 3

our choice

KEY FEATURE

  • Set up Direct Deposit and get your paycheck up to 2 days earlier^ than some of your co-workers!

ANNUAL FEE

  • No

OVERDRAFT FEE

  • Fee-free Overdraft up to $200 with SpotMe*

Rating 3.7

Fair/Poor/Bad/Limited Credit

KEY FEATURE

  • See if you’re Pre-Qualified with no impact to your credit score

CREDIT REPORTING

  • Yes

ANNUAL FEE

  • See Terms*

Rating 3.6

Any Credit Welcome

CREDIT CHECK

  • No

INSTANT RESPONSE

  • No

MINIMUM LOAN AMOUNT

  • $100

other alternatives TO CONCORA
CREDIT CARDS

our choice

Rating 4.5

  • Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
  • Earn 1 point for every $1 spent on everyday purchases
  • No annual fee or balance transfer fee
  • Points never expire while account is open and in good standing
  • Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards

our choice

No
Annual Fee & Foreign Transaction Fee
Annual Fee
None
Foreign Transaction Fee
0%
Late Payment Fee
Up to $25.00
10,000
Bonus
Points
Bonus Offer
Earn 10,000 bonus reward points after $2,000 in purchases made within 60 days of account opening
Earn More
on Your
Daily Spending
Rewards on everyday purchases
Earn 1 point for every $1 spent on everyday purchases
Max. Rewards
Earn 1 point for every $1 spent on everyday purchases
Rewards expiration
Points never expire while account is open and in good standing

our choice

Rating 4.1

  • To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
  • Chime® Checking Account and $200 qualifying direct deposit required to apply. Eligibility requirements apply for Credit Builder metal card
  • Free credit building, no matter your credit history
  • No annual fees or interest3
  • No credit check to apply
  • No minimum security deposit required1
  • Whether it’s gas or groceries, all purchases can count towards building credit via on-time payment
  • Reports to all 3 major credit bureaus
  • View and track your FICO score right in the Chime app. FICO is the credit score used by 90% of lenders2
  • The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
  • 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
  • 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
  • 3Out of network ATM withdrawal and over the counter advance fees may apply. See here for details.

our choice

$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
0%
Late Payment Fee
See terms
No Credit Check
Card Network
Visa®
Card Type
Secured
Regular APR
0%
Annual Fee
$0
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Instant Response
Yes
Card Usage
Use Anywhere

our choice

Rating 4.5

  • Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days
  • Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases
  • Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
  • No points maximum and your points never expire

our choice

20,000
Bonus
Points
Bonus Offer
Earn 20,000 bonus Rewards Points when you spend $3,000 within 60 days of opening your new card
Earn More
on Your
Daily Spending
Rewards on everyday purchases
1 Reward Point for every $1 spent on all other purchases
Max. Rewards
Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications
Rewards expiration
Your points never expire
No
Annual Fee & Foreign Transaction Fee
Annual Fee
None
Foreign Transaction Fee
0%
Late Payment Fee
Up to $25.00

our choice

Rating 3.7

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00 (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Checking Account Required

our choice

Double Your Line
Credit Line
Initial Credit Limit of $400* doubles to $800! (after first 6 monthly payments on time)
Credit Check
Yes
Pre-Approval
No
Build Your Credit
Build Credit
Yes
Credit Line
Initial Credit Limit of $400* doubles to $800! (after first 6 monthly payments on time)
Card Usage
Use Anywhere
Reporting
to the Major Consumer
Reporting Agencies
Credit Bureau Reporting
Yes
Card Category
Unsecured
Checking Account Required
Yes

our choice

Rating 3.9

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Good anywhere Mastercard® is accepted
  • $0 fraud liability**
  • Free access to your VantageScore 4.0 credit score from TransUnion®

our choice

Up to
3%
Cash Back
Max. Rewards
Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
Rewards on everyday purchases
Earn 1% Cash Back Rewards* on all other eligible purchases
Redemption Options
See terms
Instant Response
Instant Response
Yes
Card Network
Mastercard®
Credit Check
Yes
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
Yes

our choice

Rating 3.9

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free access to your VantageScore 4.0 score from TransUnion®

our choice

Up to
3%
Cash Back
Max. Rewards
Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
Rewards on everyday purchases
Earn 1% Cash Back Rewards* on all other eligible purchases
Redemption Options
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
Yes
Instant Response
Instant Response
Yes
Card Network
Mastercard®
Credit Check
Yes

card offers FROM
CONCORA CREDIT

The company offers and services store credit cards, partnering with leading merchants, as well as non-prime Mastercard credit programs under the Destiny, Indigo and Milestone brands.

The application process for the Concora Credit cards is simple and takes only a few minutes. Customers need to provide some basic personal and financial information, such as name, address, employment status and income. Many cards offer a pre-qualification option, which allows borrowers to get pre-approved with a soft inquiry that doesn't affect their credit history.

Concora credit cards also report cardholders' financial activity to the major credit bureaus, which can help improve their credit scores in the long run.

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