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BEST OVERALL RATING★★★★★ 2.8OVERALL RATING2.8/5.0 Our Review »
Intro (Purchases) Intro (Transfers) Regular APR Annual Fee Credit Needed N/A N/A 24.9% $59-$99 Poor to Good Advertiser Disclosure – BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace. Editorial Disclosureclose × Editorial Disclosure – The opinions expressed on BestCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Further, BestCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge. Last updated on July 18th, 2022 Destiny™ Mastercard® No Security Deposit Required Add to compare Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Apply Now Terms & Conditions Best Benefits ×
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Destiny™ Mastercard® Terms & ConditionsApply Now Terms & Conditions Save Card Action Card selected track loadAt a GlanceThe Destiny Mastercard is an ideal credit card for those with bad or fair credit who want the purchasing power of Mastercard but without the security deposit requirement of a secured credit card. With a modest annual fee and manageable initial credit limit, the Destiny Card doesn’t care about your credit past – instead, it helps you focus on your credit repair journey. Ideal for Those Who:
Destiny Mastercard® ReviewThe Destiny Mastercard is a credit repair and credit builder card designed for those with either bad credit or a fair credit score. Genesis Financial Card Services, the card’s issuer, is a specialist in the subprime credit marketplace, and this shows in every regard with the Destiny credit card. A Competitive Card in a Crowded MarketplaceNot only is the Destiny Mastercard able to hold its own in an already busy marketplace, but the card outperforms many challengers with a lower APR and modest annual fee. The Destiny Mastercard features fixed purchase APR. Because it is not variable with the Prime Rate, applicants don’t have to worry about the interest rate going higher than it already is. The Mercury Mastercard, another popular option in the credit repair space, has an APR that starts higher up on purchases. And because it’s variable, many applicants could receive the high end of the spectrum. This means that even with damaged credit, Destiny offers an interest rate that’s always lower than that of the Mercury Card. A Modest Annual FeeLike other subprime, unsecured credit cards, the Destiny Mastercard features an annual fee. This fee is modest when compared to other available offers. Some unsecured credit cards for bad credit – especially catalog cards for use with online shopping portals – have steep annual fees of over $100 per year. In comparison, Destiny’s yearly charge is not only reasonable – but very competitive. This charge is made even better by the fact that the Destiny Card has no application fees, no monthly maintenance fees, and no initial setup fees. Initial Credit Limit for the Destiny MastercardWhen approved for the Destiny Mastercard, you’ll receive an instant credit line of $300. It’s important to note, however, that your initial credit line will not be $300, as the annual fee must be automatically paid when the card is issued. Once you pay off that charge, you’ll have access to the full $300 line of credit. Designed for Repairing Damaged CreditThe Destiny Card is a credit card designed for repairing your credit. As such, the card regularly reports your payments to all three major credit bureaus: Experian, Equifax, and TransUnion. If you pay your bills on time and keep your credit use (also known as credit utilization) low, you’ll watch your credit score rise in no time. All the Benefits of a Mastercard Credit CardWhile the Destiny Mastercard is all about repairing your credit, the card is still a fully-fledged Mastercard credit card. That means the card enjoys the worldwide acceptance of the Mastercard payment network – accepted in 212 countries worldwide. And when you use your Destiny Mastercard abroad, you’ll enjoy a very modest foreign transaction fee. Most subprime credit cards have a foreign transaction fee of 3% of the cost of the transaction in U.S. dollars. Destiny, on the other hand, has a very reasonable foreign transaction fee of 1%, making it the ideal tool for purchases – both at home and abroad. Since Destiny is a full Mastercard product, you’ll also enjoy a suite of Mastercard purchase protections and security features. These features include:
FAQs About the Destiny CardHere are some commonly asked questions about the Destiny Mastercard: What are my options for making a payment?
When will the available credit on my account reflect my payment?
Where can I use the Destiny Mastercard?
Can anyone apply for the Destiny Card?
Destiny Card RatingsHow does Genesis DS, the card’s issuer, stack up? Here are a selection of expert reviews for the card: BestCards Rating 4/5 BBB Rating 1/5 TrustPilot RatingN/A User Rating 3.5/5 User TestimonialsWhat is the Destiny Matsercard Credit Card like to live with? Before deciding if the card is right for you, here’s what our readers and members think about the card: Read More Excellent card if you are rebuilding your credit. They helped me to re-establish my credit again. Thank you Destiny CC, you really came through for me. Read More Good starter card. Never had issues to this point and the only downside is that it's difficult to make payments due to no app and having to navigate web sites Previous Next Should You Apply for the Destiny Mastercard?Overall, there isn’t a lot to dislike about the Destiny Mastercard. The card compares favorably to both the Indigo Platinum Mastercard and the Milestone Gold Mastercard – two other quality credit repair credit cards from Genesis Financial Card Services. And since those cards are always two of the most popular unsecured credit cards for bad credit, the Destiny is in great company. Repairing your credit takes patience, persistence, and the right tools. While Destiny can’t force you to spend responsibly, it provides you with the right tools for the job of boosting your credit score. If you use your card to make small purchases, keep your credit utilization low, and pay your bill in full and on time each month, the Destiny Mastercard will do the rest. Is destiny Mastercard a real credit card?The Destiny Mastercard is an unsecured credit card for those with bad to fair credit. Potential applicants are prompted to prequalify to see whether they're likely to be approved for the card. Once you have the card, the Destiny Mastercard reports your transaction history to all three major credit bureaus.
What is the limit on a destiny Mastercard?The card offers a very low credit limit of $300. Most other credit cards have much higher limits. Depending on your eligibility, the Destiny® Mastercard® will either charge you an annual fee of $75 for the first year and a $99 annual fee after that. The card offers zero fraud liability for unauthorized use.
Is destiny rewards Mastercard good?WalletHub Review
The Destiny Mastercard® is not a good option for most people because it charges a high annual fee and has a 24.9% APR.
What score do you need for a destiny credit card?You can get the Destiny Card with a credit score as low as 300. That means you'll qualify for this credit card even with bad credit. But the issuer will also look at factors like your income, debts, and payment history to decide whether to approve you or not.
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Is destiny mastercard a good credit card
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