Destiny Mastercard

Pre-qualify without impacting your credit score
No security deposit needed
Enjoy easy online account access 24/7
Monthly reporting to 3 major credit bureaus
Information
Line of credit
$300.00
Interest-free period
25 days
Annual fee
$59.00
Travel insurance
No
ATM fee
1% of each transaction in USD
Interest
24.90%
Currency Conversion
-

Review of Destiny Mastercard

The Destiny Mastercard® is an unsecured credit card for consumers with a bad credit history or an imperfect credit score.

The Destiny credit card can help you rebuild your credit score and get access to a small line of credit with an initial credit limit of $300. The annual fee is $59 to $99 and it is issued by First Electronic Bank.

Destiny credit cards offer numerous benefits, including:

  • $0 fraud liability for unauthorized use
  • Pre-qualification without any impact on your credit score
  • A range of Destiny credit card designs
  • Reporting to all three major credit bureus


The benefits of the Mastercard include identity theft protection and zero liability protection. The Destiny card does not offer a reward program and there is no introductory bonus when applying for a Destiny Mastercard®.

Destiny® Mastercard®

Requirements

The Destiny credit card is ideal for anyone who wants to rebuild their credit. To be pre-qualified or approved, you must:

  • Be at least 18 years old (19 in AL).
  • Have a valid Social Security number.
  • Have a physical address and a US IP address.
  • Not have had a Destiny Card that was charged off due to delinquency.
  • Meet additional credit qualification criteria, including a review of your income and your debt, and identity verification requirements.

Fees

The fees for the Destiny Mastercard® include the following:

  • Penalty APR: 24.90%
  • Annual Fee: $59-$99
  • Late Fee: Up to $40
  • Returned Payment Fee: Up to $40
  • Additional Cards Annual Fee: N/A
  • Foreign Transaction Fee: 1%
  • Cash Advance APR: 29.9%
  • Cash Advance Fee: $0 during the first year; then $5 or 5% per transaction.
  • Intro Balance Transfer APR: N/A
  • Regular Balance Transfer APR: N/A
  • Balance Transfer Fee: See terms

As the Destiny Mastercard® is an unsecured credit card for bad credit, it doesn’t require any security deposit. The card can be used anywhere Mastercard is accepted online, in-app, and in-store.

Payments are reported to all three major credit bureaus and pre-qualification won’t impact your credit score.

Here’s how the Destiny Mastercard® compares to other credit cards:

Contacting Customer Service

You can contact Destiny Customer Services at:

Genesis FS Card Services
PO Box 4477
Beaverton, OR
97076-4477

Toll-free customer service number: 1-844-222-5695

Read more Destiny credit card reviews below.

Frequently Asked Questions

How do I pre-qualify for the Destiny® Mastercard®?

Pre-qualification is easy; simply submit the quick pre-qualification form online and get results within minutes.

Can I apply with bad credit?

The Destiny® Mastercard® is a perfect card for those with imperfect credit. All credit histories will be considered, even with a prior bankruptcy.

Can I apply over the phone?

There is not a phone application option available.

When will I receive my card?

In most cases, you’ll receive your card within 14 days of approval. 

Do I get fraud protection?

Yes. If your card is lost or stolen, call 1-888-260-4532 right away. If your card is lost or stolen and used without your permission, you may not be responsible for those charges.

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