Log out
If you have poor to fair credit and want an unsecured credit card, we have one for you! The Destiny Mastercard is perfect for anyone looking to build their credit. The card is accessible and convenient offering 24/7 online access, a credit limit up to $700, and no security deposit required!
Interested? Read on to learn more about why Destiny Mastercard may be the ideal choice for you.
All Credit Scores Welcome
The Destiny Mastercard is the perfect card for people with poor to fair credit. Even if you have faced prior bankruptcy, you still have a chance of being approved. Destiny knows how hard it can be to build or rebuild credit so created a card that makes this possible.
Get a $700 Credit Limit!
The initial credit limit of $700 is on the high end for an unsecured card catering to people with poor to fair credit scores. This credit limit provides cardholders with a moderate amount of purchasing power to manage their finances effectively.
Build Credit
A significant advantage of the Destiny Mastercard is that it helps users build credit by reporting monthly payments to all three major credit bureaus: TransUnion, Equifax, and Experian. The credit bureaus want to see that you can use your card responsibly. Pay your bills on time and in full every month and don’t use more than 30% of your credit limit and you will watch your score improve.
Pro tip: Use your card wisely. Make on-time payments, keep your balances low, and your credit score could start climbing.
Easily Prequalify and Apply
The Destiny Mastercard lets you prequalify instantly before you apply! This way you know if you have a chance with only a soft credit check. After you prequalify, you can easily apply and get results in 60 seconds or less. Once you’re approved, you can expect your new card within 14 business days.
Excellent card great credit building. I recommend it to anyone. Archie M
Great card great service low income approval with great rates
Duane BNew
Enjoy Mastercard’s Universal Appeal
As a Mastercard, the Destiny Mastercard is widely accepted, allowing you to use it for purchases and transactions at millions of locations worldwide. Whether you prefer in-app, in-store, or online shopping, the card provides you with convenience and flexibility in your day-to-day spending.
Get $0 Fraud Liability
The Destiny Mastercard offers $0 Fraud Liability for unauthorized use. If your card is lost, stolen, or used fraudulently, you are not held responsible for unauthorized charges. Enjoy the peace of mind of Mastercard’s $0 Fraud Liability.
Safeguard Your Identity
Another advantage of the Destiny Mastercard is the inclusion of Mastercard ID Theft Protection. This feature helps safeguard your personal information, offers proactive monitoring, alters, and provides assistance in case of identity theft.
The Cost of Convenience: Fees
The Destiny Mastercard does come with fees including an annual fee and a late payment fee. The annual fee is the fee you pay to be able to build your credit with Destiny Mastercard. It is a competitive $75 for the first year and $99 every year after that. You will only pay a late payment fee if you miss a due date. While no one intends to miss a payment, life happens, and it’s important to be aware of such fees. To avoid them, set up automatic payments or reminders that will help you stay on track. Remember, timely payments will also reflect positively on your credit score.
Competitive APR
The Destiny Mastercard features a competitive APR (Annual Percentage Rate) which, as of the time of this writing, stands at a fixed rate of 24.90%. This fixed rate can offer stability and predictability to cardholders, a great advantage for those who prefer to know exactly what their interest costs will be. It’s important to keep in mind, however, that this APR might be higher than what other cards offer, especially those catering to individuals with high credit scores. So, while the APR on the Destiny Mastercard might seem high, it’s a potential trade-off for those seeking to rebuild or establish their credit. By ensuring timely payments and ideally paying off the balance in full each month, cardholders can manage interest costs while improving their credit score.
Navigating Foreign Transaction Fees
If you’re planning to use your Destiny Mastercard overseas or for purchases from foreign online retailers, you’ll need to understand the foreign transaction fees. These are charges applied to each transaction made outside of the United States. The Destiny Mastercard charges a fee of 1%. While this might seem like an additional expense, it’s fairly standard across many credit cards. By being mindful of your spending habits abroad and planning accordingly, you can factor this cost into your budget to ensure there are no unexpected surprises on your statement.
Final Thoughts
The Destiny Mastercard offers people with poor to fair credit an opportunity to rebuild their credit history through responsible card usage. It is an unsecured card so you don’t need a savings to get started. Instead, you get an initial $700 credit limit, monthly reporting to all three major credit bureaus, and easy online access 24/7. If you need to improve your credit, check and see if you prequalify for Destiny. It could just be the card you’ve been searching for.
