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Destiny® Mastercard® Credit Card 2024 Review: Fees, Benefits & More

The Destiny Credit Card is a great option for those who have a low credit score that is holding them back from their financial goals. With this card, you will be able to raise your credit score and improve your credit history, as long as you make timely payments on your balance. Therefore, when the time comes to apply for a loan or other important purchase, you won’t have to worry about receiving a lower grade due to your poor credit score. To make sure that the Destiny Card is right for you, we’ve done the research and provided comprehensive and honest reviews outlining all of the fees, benefits, rewards, and more – everything you need to know before committing to this card.

Destiny Credit Card Overview

Destiny credit card

If you’re looking for a credit card with bad credit, you may have come across the Destiny Credit Card. This card is often advertised as an option for those with low credit scores who don’t want to put down a security deposit. But what exactly does it offer? Let’s look at the details of this card and how it stacks up against other cards aimed at people with bad credit.

The Destiny Card has a $300 limit, which is among the lowest available for people with bad credit. The purchase APR for this card ranges from 24.90%–35.90% (variable), which is typical for cards for those with lower credit scores. However, if you have better-than-average credit, you may be able to find a better rate elsewhere.

The annual fees for this card range from $59 to $99, depending on your individual circumstances. In addition, there are no incentives or rewards associated with this card, so there are few benefits beyond being able to make purchases without having to put down a security deposit.

Important Points:

  • Credit Limit: $300
  • Credit Score: 300–669
  • Purchase APR: 24.90%–35.90% (variable)
  • Annual Fees: $59–$99


  • No need for a security deposit.
  • Its reporting will be done in all 3 agencies.
  • Foreign transactions & cash advances are accessible.


  • They have a high APR.
  • High annual fee.
  • The charge for Foreign transactions.
  • Zero rewards.

Credit Limit

Our Rating: 2.5/5

The credit limit of the Destiny credit card is very less and you can’t say them to increase the limit. They will increase when they want. If your credit limit is high then you have a chance to have a better credit rate and it will automatically raise your score. 

To keep this rate on the positive side, you can only borrow a very small amount at a time due to the low limit on this card.


Our Rating: 1.0/5

We have given it a low rating because it doesn’t provide any rewards or benefits. Even when you have a low score or there is any limitation on the card, then also you get few rewards. However, with the Destiny MasterCard, there are no rewards whatsoever – regardless of your credit score or other limitations.


Our Rating: 4.0/5

The Destiny card has an annual fee between $59 to $99. It is quite high and also has zero rewards – so if you are looking for a tangible reward from using your card, this isn’t the right choice for you. On the plus side, however, its foreign transaction fee is very low compared with the standard 1% charged by most cards.

Interest Rates

Our Rating: 1.8/5

It got a very low rating in this category because it has a high-interest rate of 8-9%. In any month you fail to pay then they will charge interest for that month as well as all previous months in which payments were not made on time. So, always try to pay off your balance on time to avoid these hefty interest charges.


Here are some of the advantages which are available for those who use the Destiny card:

1. Zero Fraud Liability

The Destiny Credit Card comes with zero fraud liability, meaning that if someone uses your card for any illegal transactions without your permission or knowledge, you won’t be held responsible for them. That peace of mind can go a long way when it comes to using your credit card online or in stores.

2. Mastercard ID Theft Protection

The Destiny Credit Card also offers Mastercard ID Theft Protection. This feature allows you to monitor your credit report and dark web monitoring to ensure that no one is using your personal information illegally. You can rest assured knowing that if someone were to use your identity or credit information without permission, you would be alerted right away and could take action quickly.

3. Mastercard Global Service

The Mastercard Global Service feature is another great aspect of the Destiny Mastercard. This service gives you access to 24/7 customer service in case something goes wrong with your credit card—such as if it’s lost or stolen—so you can get help quickly and easily. You also have access to emergency card replacement and emergency cash advances if needed.

4. Mastercard Airport Concierge

Finally, there’s the Mastercard Airport Concierge program. With this program, you get 15% off on airport services when booking through Mastercard’s website. Plus, an agent will explain all aspects of the process so you know exactly what you’re getting into before making any commitments.

Destiny Mastercard: How to Get It?

If you want to get a Destiny card then it doesn’t clarify that you need a credit score for that. As it is for building your credit and it is a good chance to get approval though you have a low credit score.

If you get a credit card offer in the mail then you have a chance to respond online. Whether an application is worth submitting will depend if it gets approved or not. There are a few requirements that you need to meet:

  • You need a true Social Security Number & US IP address.
  • The age limit is 18.
  • A survey of your income & debt will be conducted.
  • If you had an account that was laid off because of the old payments.

How to Build Credit With a Destiny Mastercard?

For building credit with a Destiny credit card, the most important thing that is needed is “Credit Reporting”. As the credit report is prepared on the basis of the information that is provided by credit agencies. The issuer of the card is not allowed to directly report the activity of the user, if anyone is doing that then they are only reporting to 1 or 2 credit agencies.

We know that it reports to all 3 agencies, so it’s appropriate for building credit. Look at the points that can help to boost the credit score:

1. Don’t use too much of your credit

One of the best ways to raise your credit score is by maintaining a low utilization rate each month. This means that you should always try to keep your balance below 30% of your total available credit limit. The lower the balance, the better it will be for you in terms of boosting your score.

2. Don’t miss payments

Missing payments is one of the worst things you can do when trying to build your credit score. Not only will this result in late fees and higher interest rates, but it will also have a negative impact on your report which could lead to a decrease in your score. It’s important to make sure that all payments are made on time each month in order to ensure a positive report.

3. Pay your balance off early

If you want to get an extra boost for your credit score then consider paying off balances early rather than waiting until the last minute. Most creditors report activity on the very last day so if you pay off early then it will show up as a positive impact on the report and increase your overall credit score. This is especially beneficial if you have multiple accounts with high balances since it shows that you are managing them responsibly.

Is the Destiny Mastercard Good for Me?

It is good for those who are suffering from bankruptcy and also for those who don’t have a very good credit score. The reasons why it seems like a bad option:

1. Expensive

There is only a $300 credit line available, making the card’s annual fees high which is $59-$99 but unjustifiable. It doesn’t have any rewards, very few benefits, and a high APR. The issuer can gain more benefits but many benefits are not available for cardholders.

2. You’ll have Little Room to Grow

You can’t ask them to increase your credit limit and also they will not increase it on their own even if you are a sincere cardholder. As a result, your ability to improve your credit score by demonstrating that you can manage a greater credit line is severely frustrating.

3. You’d Be Better Off with a Secured Card

It has been only 3 to 5 years since you have paid the amount that has been required to pay for borrowing the card. Instead, you can deposit $300 on the card that provides you benefits and mainly gives a refundable option. 

For Whom is This Card Intended?

This card is intended to:

  • Can’t pay a deposit: If you want to have a credit card but are not able to pay for the security then you can go for a Destiny credit card as it is the option that you can look for in such circumstances.
  • Are recovering from bankruptcy: In case your credit report shows a bad remark then you can’t cross that credit line. So, for you, this card is best. 
  • Have exhausted other options: When you are facing trouble in getting a credit card and if you have got the chance then without thinking just go for it.

Other Alternative Options

Now that you know that my Destiny card is not such a good option, let’s look at some of the better credit cards that you can go for. 

1. Milestone Gold Mastercard

Milestone Gold Mastercard

Our Rating: 2.5/5

The Milestone Gold Mastercard is a widely accepted unsecured credit card that can help those with bad credit build a positive credit history. It’s similar to the Destiny credit card, but it offers a lower Annual Percentage Rate (APR) and no annual fee. Let’s take a look at what this card has to offer.

The Milestone Gold Mastercard is available to individuals with a credit score between 300 and 669. This range falls within the “bad credit” category, making it ideal for those who are looking to rebuild their credit score or establish one for the first time. Of course, if your score is higher than 669, you may want to consider other options since this card does not offer rewards or any other benefits that come with good-credit cards.

The Milestone Gold Mastercard has an annual fee ranging from $0–$175 depending on your current credit situation. Additionally, its Purchase APR is 24.90%–35.90%, which is slightly lower than the Destiny card’s APR of 29.99%. Obviously, you should try to pay off your balance each month in order to avoid incurring interest charges, but if you do have to carry a balance, then having a lower APR is beneficial.

The Milestone Gold Mastercard has one major benefit—it helps you build or rebuild your credit score when used responsibly—but there are some drawbacks as well. For example, while it doesn’t have an annual fee like some other unsecured cards for bad credit (such as First National Bank), it also doesn’t offer any rewards or bonuses for using the card regularly or spending certain amounts of money each month. Additionally, its high Purchase APR means that carrying a balance can be costly if not paid off quickly enough.

Important Points

  • Credit Score: 300 – 669
  • Annual Fee: $0–$175
  • Purchase APR: 24.90%–35.90%


  • No need for a security deposit.
  • It gives a report to all 3 agencies.


  • High APR.
  • Low credit limit.
  • Zero rewards.

2. Prosper Card

Prosper Card

Our Rating: 3.9/5

Are you looking for a better way to improve your credit score, while also having the opportunity to build your credit? The Prosper Card from Synchrony Bank might be the perfect solution for you. This card offers an incredibly low APR and high credit limit, making it an ideal choice for those with a credit score between 300 and 669. Before you make your decision, let’s take a closer look at what this card has to offer.

The Prosper Card is designed to help users build their credit scores through responsible use. It has no annual fee for the first year if you set up autopay; otherwise, the annual fee is $39. Furthermore, it has an introductory APR of 0% on balance transfers and purchases valid for six months. After that period ends, its variable purchase APR ranges from 22.74% – 33.74%. Additionally, depending on how well you qualify you may receive a credit limit anywhere from $500-3,000.

The Prosper Card comes with great rewards and perks that can benefit its users in more ways than one. For example, if you are an Amazon Prime member, then you will get 5% cashback when using your card at Amazon or Whole Foods Market stores in addition to 2% cash back at restaurants and gas stations worldwide. You can also get 1% cash back on all other purchases made with this card as well as access exclusive discounts through Synchrony Extras programs such as Macy’s, JCPenney, Kohl’s, and many more! Lastly, this card also offers fraud protection services so that you can confidently spend without any worry or hassle in case something goes wrong while using your card online or offline.

Important Points:

  • Required Credit Score: 300 – 669
  • Annual Fee: $39 ($0 for the first year if you set up autopay)
  • Purchase APR: 22.74%–33.74% (variable)
  • Credit Limit: $500–$3,000


  • No need for any annual fee for the 1st year if you do it with Autopay.
  • Zero security deposit. 
  • It doesn’t require paying an advance cash fee. 
  • Credit score & credit limit get upgraded from time to time. 


  • APR is a little high. 
  • No rewards at all. 

3. Credit One Bank Platinum Visa

Credit One Bank Platinum Visa

Our Rating: 3.6/5

The Credit One Bank Platinum Visa is designed for those who want to recover from bad credit and rebuild their score. But is it worth it? Let’s take a look at the important points. The Credit One Bank Platinum Visa has a minimum credit score requirement of 300-669. This could be an attractive option for those trying to improve their credit score but don’t quite meet the requirements of other cards. However, keep in mind that this card typically has higher interest rates than other cards with better credit score requirements.

The annual fee on the Credit One Bank Platinum Visa is $75-$99, depending on your individual circumstances. This is significantly higher than many other cards, so factor this into your decision if you are considering applying for this card. Keep in mind that you will have to pay this fee every year to maintain your account in good standing.

Another thing to consider when evaluating the Credit One Bank Platinum Visa is its purchase APR, which is 26.99%. While some cards offer lower APRs or even 0% introductory APRs on purchases, this one does not. This means that any purchases you make with this card will accrue interest at a rate of 26.99%, so make sure you are prepared for that before signing up for this card.

Important Points:

  • Credit Score: 300 – 669
  • Annual Fee: $75-$99
  • Purchase APR: 26.99% (variable).


  • A security deposit isn’t required.
  • You will get cashback rewards.
  • Credit limit increases are reviewed automatically.


  • High APR.
  • High annual fee.

Frequently Asked Questions (FAQs)

Q1. Which bank does Destiny card use?

The Destiny credit card was launched by First Electronic Bank.

Q2. What is the credit limit on a Destiny credit card?

The credit limit on a Destiny card is very less, which is $300.

Q3. How to cancel Destiny’s credit card?

Destiny credit card login can be canceled by contacting customer care. We advise that you must continue to pay the tiny payment on the canceled account each month until the balance is paid in full if there is still a balance on the account.


We’ve reached the end of our review of the Destiny® Mastercard® Credit Card [year]. With a wealth of competitive features, rewards, and exclusive benefits, this card seems like it really got it right when it comes to making sure its customers have everything they need to make their experiences more enjoyable. Not only do cardholders get plenty of valuable features, but they’ll also benefit from competitive rates and extensive customer support services should they ever need them.

Plus, compared to most other credit cards on the market today, the annual fee is surprisingly affordable. When you take all of these things into consideration, it’s clear that the Destiny Credit Card is an excellent choice if you’re serious about taking control of your finances in 2023. All in all, we can happily conclude that this credit card is certainly worth checking out for anyone looking for a reliable and cost-effective way to use a credit card.

Author Profile

Elizabeth Jones
Elizabeth Jones is one of our editorial team’s leading authors on credit card offers, services & more. With over two decades of experience in the consumer credit industry and as a nationally recognized credit expert, Elizabeth provides in-depth analysis of both traditional & alternative forms of credit. Elizabeth regularly appears on many major media outlets including NBC Nightly News, Fox Business Network, CNBC & Yahoo! Finance. She is also a frequent contributor to Forbes Magazine. As a highly appreciated author for our exclusive Editorial Team, Elizabeth strives to provide readers with a trustworthy advice on how to manage their credit accounts while staying informed on the latest offers in the marketplace.

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