Our verdict: Milestone and Indigo are twin programs from the same servicer, Concora Credit, with public pricing identical to the dollar: the same $175 first-year cost, the same ~$199-a-year after, the same $700 starting limit, the same 35.9% APR. The real differences are the issuing bank behind each card and whatever mailed offer either program sends you. The full picture below is verified from both programs’ own disclosures.
Side by side, from their own Schumer boxes
| Milestone Mastercard | Indigo Mastercard | |
|---|---|---|
| First-year cost | $175 annual fee | $175 annual fee |
| Year 2 onward | $49/yr + $150/yr monthly fee (~$199) | $49/yr + $150/yr monthly fee (~$199) |
| Purchase APR | 35.9% | 35.9% |
| Starting limit | $700 (~$525 usable after fee posts) | $700 (~$525 usable after fee posts) |
| Issuing bank | The Bank of Missouri | Celtic Bank (Salt Lake City, UT) |
| Servicer | Concora Credit Inc. | Concora Credit Inc. |
| Declined application | No hard inquiry, per their disclosure | No hard inquiry, per their disclosure |
Terms verified August 25, 2026 against the public application disclosures at milestonegoldcard.com and indigocard.com — full sourcing in the Milestone card review and Indigo card review. Mailed offers can carry different pricing than the public applications.
Even their complaint record is shared
Because both cards are serviced by Concora Credit, complaints to the federal CFPB file under one entity for both: 2,468 complaints in the 12 months ending August 26, 2026, led by “Incorrect information on your report” (615). There is no way to tell from federal complaint data which twin a complaint concerns; the two brands share one record as they share one program.
How to choose between them
- Holding a mailed offer from one of them? Compare its Schumer box against the public numbers above and take whichever is cheaper — mailed pricing can differ from the public application, and that is the only scenario where the two brands meaningfully diverge.
- No mailed offer? Then there is no meaningful difference between the two programs, and the better question is whether a secured card fits instead: if you can fund any deposit at all, a secured card runs hundreds of dollars cheaper over three years for the same credit-building effect. The math is in secured vs. unsecured, and the field in unsecured cards for bad credit.
- Care who holds your account? The one real difference: Milestone is issued by The Bank of Missouri, Indigo by Celtic Bank — a change most review sites haven’t caught (their own sites confirm it). Functionally it won’t change your experience; Concora services both.
Frequently asked questions
Are Milestone and Indigo the same company?
Same servicer, as both are Concora Credit programs with identical public pricing, but different issuing banks: The Bank of Missouri for Milestone, Celtic Bank for Indigo.
Which is easier to get, Milestone or Indigo?
Neither program publishes approval criteria suggesting a difference, both target deep-subprime applicants, and both disclose that a declined application leaves no hard inquiry. Approval odds are effectively the same program decision.
Should I get both cards?
No. Two $175 first-year fees for two $700 limits from the same servicer doubles the cost without doubling the credit-building benefit. If you need a second tradeline, pair one with a low-cost secured card instead — see the options in secured vs. unsecured.