Destiny Mastercard® Review: Reach Better Credit!

If you have bad or fair credit, the Destiny Mastercard® can help you get back on your feet with a modest annual fee and a manageable initial credit limit. Keep reading to learn more about this product.

Destiny Mastercard®: Learn How to Build a Solid Credit Foundation

In this Destiny Mastercard® review, we will show you how to get this unsecured credit card to help repair your score. The Destiny Mastercard® is designed for customers with a troubled credit history and anyone with a less-than-perfect credit score.

If you’re on the market for a product that can help you repair your financial status, keep reading to see what this card can do for you!

Credit ScorePoor – Fair.
Annual Fee$175 during your first year, then $49.
Regular APR35.9%.
Welcome bonusN/A.

How Does the Destiny Mastercard® Work?

The Destiny Mastercard® is an excellent choice for those with bad or fair credit who are looking for the purchasing power of a credit card. It doesn’t require a security deposit like secured cards do, and it’s accepted nationwide because of its Mastercard coverage.

The card charges a low annual fee and offers a 35.9% APR rate for purchases. There are no monthly or service fees during your first year ($12.50 monthly thereafter).

After approval, Destiny provides its new cardholder with a credit line of $300. However, the annual fee is deducted from the card as soon as it’s issued to you.

This is a credit card designed to repair your damaged credit history. Therefore, it reports to all three major credit bureaus in the country. With sensible credit utilization, your credit score will improve in as little as a handful of months.

Destiny Mastercard® Pros and Cons

Before applying for a Destiny Mastercard®, you should know everything it has to offer as well as its drawbacks so you can make an informed decision. Read on to learn about the main features of this product and if it aligns with your spending habits and credit-building goals.


  • Fast application process: Quick and straightforward.
  • Bad and fair credit scores accepted: Accessible to those with less-than-perfect credit.
  • Nationwide acceptance: Usable wherever Mastercard is accepted.
  • No security deposit required: Easier to obtain than secured cards.
  • $0 Fraud liability: Protection against unauthorized charges.
  • Reports to all major credit bureaus: Helps improve your credit score with responsible use.


  • High APR: 35.9% APR for purchases.
  • Annual fee: An annual cost that varies based on your credit history.
  • Increased rates for late and returned payments: Higher fees for late or missed payments.

Does My Credit Score Need to Be Good?

You need a credit score between poor and fair to pre-qualify for the Destiny Mastercard®. However, the annual fee the company will charge you is based on your credit history. If you want lower interest rates, it is crucial to check on your financial health before applying.

Want to Apply for a Destiny Mastercard®?

Repairing your credit takes time, but the right tool can help you get there much faster. Now that you know what the Destiny Mastercard® can do for you, follow the link below to learn about the application process.

Apply for the Destiny Mastercard® to start rebuilding your credit today!