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Home Credit Cards Reviews Destiny Mastercard®

Destiny® Mastercard® Credit Card 2025 Review: High Fees and No Benefits

Written by Kari Dearie and Victoria Scanlon

Updated Dec 1, 2022

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

Destiny Mastercard®

Destiny Mastercard Apply Now

on First Electronic Bank's secure site

Rates & Fees
3.2
Rating Breakdown
Fees
4.0

A $59–$99 annual fee drops the Fees score down on this card. However, a low foreign transaction fee of 1% scores this card some bonus points.

APR
1.8

The APR is abysmally high on this card for both purchases and cash advances, earning it a weak 1.8.

Rewards
1.0

Even though it charges an annual fee, none of that cost is offset by rewards of any kind.

Credit Reporting
5.0

Thankfully, the card reports to the three major credit bureaus, which can help build credit.

Credit Limit
2.5

The credit limit is low and inflexible, offering only $300 and no opportunities to request an increase.

Other

We manually adjusted the rating of this card to account for benefits like its high approval odds and lack of security deposit, as well as drawbacks like its difficult-to-find borrowing terms.

Our FinanceJar Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. Our scores are generated by a rubric and our reviews adhere to a strict editorial process. Learn more about how we rate credit cards.

Annual Fee

$59–$99

Credit Score

300–669

Purchase APR

24.90%–35.90% (variable)

Credit Limit

$300

At a Glance

The Destiny® Mastercard® charges steep fees for a limited credit line without any rewards or worthwhile benefits. While it’s an option for low-credit borrowers unwilling to pay a security deposit, it will set you back $59–$99 every year in exchange for only $300 in credit. If you have bad credit, it’s likely you can get a better card.

Is the Destiny® Mastercard® Worth It?

The Destiny® Mastercard® is only worth it for a select set of borrowers—namely, those who have suffered financial issues like bankruptcy. Despite the card’s lack of a security deposit and accessibility to people with imperfect credit, most people can find a better credit card elsewhere that doesn’t break the bank on fees.

Here’s why the Destiny® Mastercard® isn’t your best option:

  • It’s expensive: You’ll get an unsecured credit line worth only $300, which hardly justifies the card’s steep annual fees of $59–$99. The Destiny® Mastercard® has no rewards, few benefits, and a fairly high APR, meaning there’s plenty for the card issuer to gain, but few benefits for cardholders.
  • You’ll have little room to grow: You can’t request an increase on your credit limit with the Destiny® card, and there’s no guarantee that you’ll ever even be considered for a higher credit limit, even if you’ve been a responsible cardholder. This leaves you with limited potential to raise your credit score by showing you can handle a larger line of credit.
  • You’d be better off with a secured card: It’ll only be roughly 3–5 years before you’ve paid the same amount of money in annual fees that you’re eligible to borrow. At this point, you would’ve been better off if you’d just put the $300 toward a deposit on a secured card, especially one that offers a refundable deposit.

The bottom line is you should only consider getting the Destiny® Mastercard® if you have no money for a security deposit and very limited card options because of black marks on your credit report. Even then, be prepared to only reap benefits from the card in the short term.

Destiny® Mastercard® Pros & Cons

Pros:

  • No security deposit required
  • Credit reporting to all three bureaus
  • Foreign transactions and cash advances available

Cons:

  • High APR
  • $59–$99 annual fee
  • Foreign transaction fees
  • No rewards or benefits

Who is the Destiny® Mastercard® for?

While the Destiny® Mastercard® shouldn’t be everyone’s first consideration for a new credit card (considering its high annual fee), there’s a handful of borrowers the card may appeal to, including those who…

  • Have exhausted other options: If you’re having trouble qualifying for a credit card but have already received a Destiny offer in the mail, it may be worth accepting if you need credit fast and have nowhere else to turn.
  • Can’t pay a deposit: If you’re eager to open a credit card but don’t have the funds to put down a security deposit, the Destiny® Mastercard® is one of the rare unsecured credit cards for bad credit.
  • Are recovering from bankruptcy: If your credit history has negative marks, qualifying for a line of credit may be extremely challenging. The Destiny® Mastercard® advertises itself as an option for all borrowers, even those with a past bankruptcy. 1

If the above doesn’t apply to you, or if you’re still wary of opening a low-limit credit card with a high annual fee, consider checking out your options in the following lists:

  • Credit cards for bad credit
  • Unsecured credit cards for bad credit
  • Credit cards for no credit
  • Secured credit cards

Rates & Fees

Fees

Fees:

(4.0/5)

While annual fees are common on credit cards, they’re often made up for with lucrative rewards programs. Unfortunately, the Destiny® Mastercard® has a potentially high annual fee and no rewards to take the edge off the cost. On the plus side, its foreign transaction is below the standard at only 1%.

  • Annual fee (offer A): $75 in the first year; $99 after that
  • Annual fee (offer B): $59
  • Cash advance fee: $5 or 5% (whichever is greater), but never over $100
  • Foreign transaction fee: 1%
  • Late payment fee: Up to $40
  • Returned payment fee: Up to $40
  • Overlimit fee: $40

One of the major drawbacks of the Destiny® credit card is its high annual fee, which isn’t offset by any cashback rewards or particularly notable benefits. You’re essentially paying for the privilege of accessing a limited credit line.

Interest Rates

APR:

(1.8/5)

The Destiny® Mastercard® scores painfully low in the APR category due to its high interest rates. Interest is charged when you carry a balance, so not paying this card off in full every month can quickly create a snowballing debt.

  • Purchase APR: 24.90%–35.90% (variable)
  • Cash advance APR: 29.9%
  • Minimum interest charge: $1.00

If you don’t pay your Destiny® Mastercard® credit card balance in full each month, you’ll be charged interest. The rate of interest you’ll pay each year is your annual percentage rate (APR). You can avoid paying any interest by ensuring that you don’t carry a balance from one month to the next.


Rewards

Rewards:

(1.0/5)

This card offers nothing in the way of rewards, giving it the lowest rating possible in this category. As it charges an annual fee, we’d hope to at least see minimal cashback opportunities to help make up for the annual cost of owning the card.

The Destiny® Mastercard® doesn’t have a rewards program. While rewards are uncommon amongst credit cards for bad credit scores or limited credit histories, they do exist. You’re even more likely to find rewards within this range if you consider getting a secured credit card.


Credit Limit

Credit Limit:

(2.5/5)

How much credit you get is a critical benefit of any credit card. Unfortunately, the Destiny® Mastercard® offers a low limit and no way to request a credit limit increase, which gives you little spending power and makes keeping a good credit utilization rate difficult.

The Destiny® Mastercard® comes with a credit limit of only $300. This is very low, even for a credit card for bad credit. When we spoke to the customer service team, they said that the card servicer may eventually contact you if you’re eligible for a credit limit increase, but you can’t request an increase on your own.

Your credit score depends partly on a metric called credit utilization rate, which measures the amount of your available credit that you’re using (a lower rate is better). If you have a higher credit limit, it’s easier to maintain a good credit utilization rate, so this can improve your credit score. The low limit on this card means you can only borrow very little at a time to keep this rate on the good side.


Benefits

The Destiny® card comes with a few basic benefits available to all Mastercard® account holders:

BenefitWhat It Means
Zero fraud liabilityYour credit card issuer won’t hold you responsible for any unauthorized transactions.
Mastercard® ID Theft Protection™Get TransUnion credit report monitoring and dark web monitoring to check for misuse of your personal information (e.g., your Social Security number or credit card information).
Mastercard Global Service™Enjoy 24-hour assistance if your card is lost or stolen. You can call the number provided to report your card as lost or stolen, request emergency card replacement, and request emergency cash advances.
Mastercard Airport Concierge™Get 15% off Mastercard® airport meet-and-greet services (an agent will escort you through all aspects of the airport arrivals process).

How to Get a Destiny® Mastercard®

Credit Score Required

The Destiny® Mastercard® website doesn’t specify any credit score requirements. However, as the card is meant for credit building, you probably have a good chance of getting approved, even with a bad credit score (FICO scores between 300–579).

How to Apply

If you’ve received a Destiny® Mastercard® offer in the mail, you can respond online. Otherwise, you can prequalify online. This will tell you whether you’re likely to be approved and whether it’s worth filling out a formal application.

You’ll need to meet the requirements below to be approved for the Destiny® Mastercard®:

  • Be at least 18 years old (or 19 years old in Alabama)
  • Have a valid Social Security number
  • Have a valid physical address
  • Have a US IP address
  • Not have previously had a Destiny® Mastercard® account that was charged off due to late payments
  • Meet additional credit qualification criteria (e.g., a review of your income and your debt plus other identity verification requirements).

Once you’re approved, you’ll have to wait up to 14 business days to receive your card.

You may lose points from your credit score when you apply for a Destiny Mastercard®

When you apply for a Destiny® credit card, you’ll probably get a hard inquiry, also known as a hard pull or hard credit check, on your credit report. If this happens, it’ll knock a few points off your credit score. However, the effect is only short term, and your score will recover within a year.


Building Credit with a Destiny® Mastercard®

Credit Reporting

Credit Reporting:

(5.0/5)

Using a credit card to build credit will only work if your card issuer reports your activity to credit bureaus. How you use your Destiny® Mastercard® will be reported to the three major bureaus, meaning it’s a good option for building credit.

Credit reporting is an important part of building credit, as your credit report is based on the information your lenders send to the credit bureaus. Credit card issuers aren’t legally required to report your account activity to the credit bureaus, and those that do may only report to one or two of the three main credit reporting agencies.

Your Destiny® Mastercard® account will be reported to all three bureaus (Equifax, Experian, and TransUnion). This means that all of your actions and behaviors as a cardholder will affect all three of your credit reports and all of your credit scores.

Tips for Building Credit

Because the Destiny® Mastercard® credit card reports to all of the major credit bureaus, it’s suitable for credit building and credit rebuilding. Here are some tips for using your card to improve your credit score.

  • Don’t use too much of your credit: You want to keep a low credit utilization ratio every month, meaning you don’t want too high of a balance reported to the bureaus. To keep your ratio low, only borrow a fraction of your credit limit or frequently pay off your balance.
  • Don’t miss payments: Failing to pay your Destiny® Mastercard® bill on time can result in two things: late fees and a negative report to the credit bureaus. While the latter will directly hurt your credit score, the former (given a single late fee can be up to $40) will be deducted from your available credit, making paying off your balance even harder.
  • Pay your balance off early: Your credit card activity will most likely be reported on the last day of the billing cycle, which is your statement closing date. Paying your balance down or completely off before then means a low outstanding balance will be reported to the credit bureaus, which can help raise your score.

Bear in mind that if you’re struggling with debt, the Destiny® Mastercard® may not be a good choice because it will set you back with unnecessary fees. The most important part of rebuilding your credit is paying your bills on time.


Comparable Cards

To decide whether the Destiny® Mastercard® credit card is right for you, take a look at how it measures up against other cards for lower credit on the market.

Milestone® Gold Mastercard®

Milestone Gold Mastercard Apply Now

on Milestone's secure website

Rates & Fees
2.5
Annual Fee

$0–$175

Credit Score

300–669

Purchase APR

24.90%–35.90%

Why It's Great

Like the Destiny® Mastercard®, the Milestone® Gold Mastercard® is another unsecured card for bad credit that’s serviced by Genesis FS Card Services. This card is also reported to all three credit bureaus, is eligible to consumers with a history of bankruptcy, and lacks rewards or solid opportunities to increase your credit limit.

However, the Milestone® Gold Mastercard® is a better deal because of its lower APR and potentially lower fees of $35–$75 the first year and $35–$99 thereafter. You’ll also get the same Mastercard® benefits and access to cash advances.

Pros & Cons

Pros

  • No security deposit required
  • Reports to all three credit bureaus

Cons

  • 24.9% APR
  • $35–$99 annual fee
  • $300 credit limit
  • No rewards

Prosper® Card

Prosper Card Apply Now

on Prosper's secure site

Rates & Fees
3.9
Rating Breakdown
Fees
4.8

Compared to other unsecured cards for less-than-perfect credit, the Prosper® Card offers more bang for your buck, with a relatively low annual fee and no cash advance fees.

APR
1.8

The Prosper® Card comes with a pretty broad APR range, and there’s a good chance you’ll end up with a high interest rate.

Rewards
1.0

Because the Prosper® Card doesn’t offer any credit card rewards, it earns the lowest possible score in the rewards category.

Credit Reporting
5.0

The Prosper® Card issuer reports activity to the three major credit bureaus.

Credit Limit
4.5

Generous credit limits and a willingness to offer credit line increases very soon after account opening earn this card a high rating in this category.

Other

We adjusted the rating for additional factors like the lack of a security deposit and the short time period before cardholders are eligible for credit line increases.

Our FinanceJar Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. Our scores are generated by a rubric and our reviews adhere to a strict editorial process. Learn more about how we rate credit cards.

Annual Fee

$39 ($0 for the first year if you set up autopay)

Credit Score

300–669

Purchase APR

22.74%–33.74% (variable)

Credit Limit

$500–$3,000

Why It's Great

The Prosper® Card is a decent unsecured card that can help you establish a strong credit history, and it’s a better card for rebuilding credit than the Destiny® Mastercard® due to its lower fees and higher credit limit.

You won’t need to pay anything upfront for the Prosper card if you enroll in autopay, and you’ll start off with a much larger credit line than you would with the Destiny® card, which will be more beneficial to your credit score. You’ll also be automatically considered for a credit limit increase after 3 months, giving you the opportunity to reap the rewards of responsible card management.

Pros & Cons

Pros

  • No security deposit required
  • No annual fee your first year if you enroll in autopay
  • $500–$3,000 initial credit limit
  • Automatic review for credit limit increase
  • No cash advance fees

Cons

  • 22.74%–33.74% (variable) APR
  • $39 annual fee after the first year
  • No rewards

Credit One Bank® Platinum Visa® for Rebuilding Credit

Credit One Platinum Visa credit card Apply Now

on Credit One Bank's secure site

Rates & Fees
3.6
Rating Breakdown
Fees
3.8

The Credit One Bank® Platinum Visa® for Rebuilding Credit comes with pretty high fees, especially the annual fee. Thankfully, it’s partially offset by rewards and other benefits.

APR
2.4

The APRs on this card are pretty high, but this is typical for a credit card geared toward people with poor or limited credit histories.

Rewards
3.1

This is one of the few unsecured rewards cards you can get with poor credit. However, the rewards don’t apply to all purchases and don’t fully compensate for the card’s fees.

Credit Reporting
5.0

Credit One reports to all three credit bureaus, which makes the Platinum Visa® for Rebuilding Credit suitable for building or rebuilding credit.

Credit Limit
2.5

Credit limits are pretty low on this card, which isn’t ideal if you want to raise your credit score quickly or take full advantage of the card’s cashback rewards.

Other

We manually adjusted the card’s final score to account for factors like free credit scores and credit limit increases.

Our FinanceJar Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. Our scores are generated by a rubric and our reviews adhere to a strict editorial process. Learn more about how we rate credit cards.

Annual Fee

$75-$99

Credit Score

300–669

Purchase APR

26.99% (variable)

Rewards

  • Gas, Groceries, & Telecom Bills

    1% cash back on eligible spending toward gas, groceries, mobile phone service, and internet, cable, and satellite TV service

Why It's Great

Like the Destiny® Mastercard®, the Credit One Bank® Platinum Visa® for Rebuilding Credit is an unsecured credit card for people recovering from damage to their credit.

Although the Credit One Bank® Platinum Visa® for Rebuilding Credit has higher foreign transaction fees (3%) and cash advance fees (8%), you’ll definitely get more for your money for a similar annual fee.

For example, to help you on your credit repair journey, Credit One will automatically consider you for a credit limit increase and offer you free monthly credit scores. You’ll also get a lower APR and the opportunity to earn cashback rewards, making this card more suitable for purchases than the Destiny® Mastercard®.

Pros & Cons

Pros

  • No security deposit required
  • 1%–10% cashback rewards
  • Automatic reviews for credit limit increases

Cons

  • 26.99% (variable) APR
  • $75–$99 annual fee

Destiny® Mastercard® FAQs

What bank is the Destiny® Mastercard®?

The Destiny® credit card is issued by First Electronic Bank. However, the card is serviced by Genesis FS Card Services, Inc.

How do you cancel the Destiny® Mastercard®?

The Destiny® credit card really only has short-term benefits for recovering from damaged credit. Once you’ve used the card to establish a decent payment history, you’ll probably want to cancel your Destiny® Mastercard® account and upgrade to a better card.

Here’s how to cancel your Destiny® credit card account:

  1. Contact customer service at 1 (800) 583-5698 and ask to close your account
  2. Return all of the credit cards associated with your Destiny® Mastercard® account
  3. Cancel all billing arrangements to your Destiny® credit account

Does the Destiny® Mastercard® have a grace period?

The Destiny® Mastercard® credit card gives you a grace period of 25 days (beginning on the first day of the new billing cycle) before interest begins accumulating.

As long as you pay your balance before this grace period ends, you won’t have to pay any interest charges. However, if you carry a balance over into the next billing cycle, you’ll have to pay interest at a rate of 24.90%–35.90% (variable).

It’s worth noting that cash advances don’t have any grace period. If you use your Destiny® Mastercard® to withdraw funds from an ATM, interest will begin accumulating at the high rate of 29.9% starting from the same day as the withdrawal.

Can you use the Destiny® Mastercard® abroad?

Not all credit cards permit foreign transactions, but the Destiny® Mastercard® does. However, when you use your Destiny® Mastercard® credit card abroad for transactions, you’ll be charged a foreign transaction fee equivalent to 1% of the transaction amount.

This is a fairly typical foreign transaction fee, but some card issuers will charge up to 2% or 3%, whereas others won’t charge you anything at all.

What’s Destiny’s customer service contact information?

If you have questions about the Destiny® Mastercard® credit card, you can contact customer service by phone at (800) 583-5698 or by FAX at 503-268-4711.

You can also write to them at the address below:

Genesis FS Card Services

PO Box 4477

Beaverton, OR 97076-4477

How we rate our credit cards

Applying for a new credit card is a big decision. That's why FinanceJar's card experts carefully studied the following details of the The Destiny Mastercard® credit card to determine whether it's a good borrowing option:

  • Fees
  • Interest Rates
  • Credit Reporting
  • Security Deposit
  • Benefits
  • Borrowing Terms

These factors, among many others, are part of our 5-star credit card rating methodology for all card categories. Our star ratings are unbiased and independent of our affiliates and advertisers.

Article Sources

  1. Destiny. "Frequently Asked Questions" Retrieved November 30, 2022.

sidebar

Table of Contents

  1. Is the Destiny® Mastercard® Worth It?
  2. Rates & Fees
  3. Rewards
  4. Credit Limit
  5. Benefits
  6. How to Get a Destiny® Mastercard®
  7. Building Credit with a Destiny® Mastercard®
  8. Comparable Cards
  9. Destiny® Mastercard® FAQs

Kari Dearie

Credit Cards Editor

View Author

Kari Dearie is an editor for FinanceJar specializing in credit and personal finance. She previously managed a B2B website in the data privacy and digital compliance industry.

Victoria Scanlon

Credit & Finance Editor

View Author

Victoria Scanlon is a professional writer, editor, and researcher for FinanceJar. She has experience editing research for publication in academic journals and writing educational content. Her goal is to help non-experts better understand topics related to personal finance and credit repair so that they can make more-informed financial decisions.

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