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Destiny Mastercard®
Destiny Mastercard® Review
The Destiny Mastercard® is a practical tool for those in need of rebuilding their credit, especially valuable for its lack of a required security deposit and the inclusivity of its application process.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
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Destiny Mastercard®
SIGN-UP BONUS
N/A
REWARDS RATE
Non-rewards card
No Security Deposit
All the benefits of a Mastercard, without a security deposit
Easy Access
24/7 access to your account, even on mobile!
Build Credit
Reports to all three major credit bureaus
Annual Fee
See terms
Card Brand
Mastercard®
Recommended Credit Score
Limited / Poor / Fair / GoodHighlights
- All the benefits of a Mastercard, without a security deposit
- 24/7 access to your account, even on mobile!
- Reports to all three major credit bureaus
- Less than perfect credit is okay, even with a prior bankruptcy!
Additional Info
Foreign Transaction Fee
1% of each transaction in U.S. dollars.
Balance Transfer Fee
N/A
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Mar 12, 2025
We don't have a review for this card yet, but sit tight! There's one coming soon.
The Good
- The Destiny Mastercard® is designed for individuals with less-than-perfect credit, offering an unsecured credit line that does not require a security deposit, thus providing a valuable opportunity for credit building or rebuilding by reporting to all three major credit bureaus.
The Not So Good
- The card includes a high annual fee that cannot be waived in the first year, and it has a relatively high APR, which can make carrying a balance quite costly.
The Bottom Line
The Destiny Mastercard® is a practical tool for those in need of rebuilding their credit, especially valuable for its lack of a required security deposit and the inclusivity of its application process.
Editorial Note: This content is not provided by Destiny Mastercard®. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Destiny Mastercard®.
Related Card Offers
Apply Now
on Bank of America's secure site
Sign-Up Bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Flexible Redemption
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
Rewards Rate
1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
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on Discover's secure site
0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.24% Variable APR
Rewards Rate
5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
Welcome Offer
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
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Apply Now
on Discover's secure site
Intro APR
0% Intro APR for 6 months on purchases and 0% Intro APR for 18 months on balance transfers, then 18.24% - 27.24% Variable APR
Rewards Rate
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
Ongoing APR
18.24% - 27.24% Variable APR
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