See the card best suited for those who have had credit problems in the past and are looking for a fresh financial start

Rebuild your credit with the Destiny Mastercard®

Advertisement

If you’re looking for a credit card to help rebuild your credit history in the United States, the Destiny Mastercard® might be a viable option. With no security deposit required and accessible approval, this card stands out among consumers with low or limited credit scores. Below, we’ll explore the main benefits, drawbacks and how to apply!

card

You will remain in the same website

Take a closer look and see how this card can support your credit-building goals:

No security deposit required
Widely accepted
Reports to major credit bureaus
Easy and fast application

You will remain in the same website

If you're looking to get your credit back on track or build it from scratch, the Destiny Mastercard® could be worth a look. It's designed to be pretty accessible, especially if you've had some bumps in the road financially.

Let's break down what's good about it, and what you should watch out for, so you can decide if it's the right move for your money:

Main Advantages of the Destiny Mastercard®

  • No security deposit required: unlike secured cards, the Destiny Mastercard® doesn’t require an upfront deposit to activate your account.
  • Widely accepted: as a Mastercard, it's accepted at millions of locations across the U.S. and globally.
  • Reports to major credit bureaus: your payments are reported to Equifax, Experian, and TransUnion, helping you build or rebuild your credit score.
  • Ideal for credit rebuilding: it’s specifically designed for people who have had credit issues in the past and want to get back on track.

Drawbacks of the Destiny Mastercard®

  • Annual fee required: the card charges an annual fee ranging from $59 to $125, depending on the applicant’s profile.
  • No rewards program: unlike other cards, it doesn't offer cashback or reward points.
  • Low initial credit limit: the starting limit can be as low as $300, which may restrict your spending.
  • High APR: interest rates can exceed 24%, which can be costly if you carry a balance month to month.

The Destiny Mastercard® can be a real help when you're trying to fix your credit, but it's not all sunshine and roses.

You'll want to be aware of things like the annual fee and the fact that you won't earn rewards. So, before you sign up, really think about how this card fits into your overall money plans.

Comparison: Destiny Mastercard vs. Ally Everyday Cash Back Mastercard®

Let's be real: credit cards aren't one-size-fits-all. So, it's smart to check out a few different options before applying.

Below, we've included a side-by-side comparison of the Destiny Mastercard® and the Ally Everyday Cash Back Mastercard® to help you determine which is the real winner for your situation.

FeatureDestiny Mastercard®Ally Everyday Cash Back Mastercard®
Security depositNoNo
Annual fee$59 - $125$0
RewardsNoYes (Cashback on purchases)
Initial credit limitFrom $300Varies by profile
Best forThose with poor or limited creditThose with decent credit seeking rewards
APRHighCompetitive

If you're starting fresh financially, the Destiny Mastercard® can be a first step. The Ally Everyday Cash Back Mastercard® is more suitable for users looking to maximize rewards on everyday purchases.


Got more questions swirling around in your head? No worries! We've got a handy FAQ section below that breaks down all the nitty-gritty details about the Destiny Mastercard®.

Yes, it’s designed for applicants with poor or limited credit history. It’s one of the few options accessible to those rebuilding credit or starting fresh. Pre-qualification is available with no impact on your credit score, making it easy to check eligibility before applying.

While it’s possible, a limit increase is not guaranteed. Consistent on-time payments can improve your chances. Keeping your balance low and using the card responsibly over time can help demonstrate creditworthiness for a potential credit line review.

Yes, Destiny offers a full online portal for account management. Payments, transaction history, and alerts can all be accessed through the website or mobile app. This digital access helps users stay on top of due dates and avoid late fees.

There are no hidden fees, but you should read the full terms before accepting the card. Annual and other potential fees are clearly listed in the terms. Always review your cardholder agreement to understand charges and avoid surprises.

Yes, Destiny is issued by trusted banks and follows Mastercard’s safety standards. It includes fraud protection features and zero liability on unauthorized purchases. Secure encryption and account monitoring tools protect your personal and financial data.

The Destiny credit card starting limit typically ranges around $300. This amount is determined during the approval process and depends on your credit profile and financial history. While the starting limit may seem modest, it's designed to help you use credit responsibly as you work to improve your score. Maintaining a low balance and paying on time can help manage your credit utilization effectively.

The Destiny Mastercard® is an unsecured credit card created for people with fair or poor credit. It doesn’t require a security deposit and reports to all three major credit bureaus—Equifax, Experian, and TransUnion. Cardholders can use it anywhere Mastercard is accepted, and responsible usage may support positive credit development. It includes online account access, fraud protection, and fixed terms outlined during approval.

Your Destiny Mastercard limit may increase, but it is not guaranteed. Limit increases depend on your account history, including on-time payments and overall credit behavior. Regular usage with low balances, prompt payments, and avoiding maxing out your limit can improve your eligibility for a credit line review. Destiny may periodically review accounts to offer higher limits to responsible cardholders.

Yes, Destiny Mastercard® is an excellent option if you want to get a credit card to build credit. It’s specifically designed for people with less-than-perfect credit who need access to a real credit card—not a secured one—with monthly reporting to all three credit bureaus. Responsible use can lead to improved credit scores over time, helping you qualify for better financial products in the future.

Finally, choosing the right credit card can influence your financial confidence and open new possibilities. It's essential to weigh each detail before deciding on a card that will support your progress.

Understanding how a credit product fits your lifestyle is also key to using it wisely. Stay informed, plan, and take charge of your credit future.

For the most accurate and updated terms, visit the official Destiny Mastercard® website and review the details directly with the issuer.

card

Credit Card

Destiny Mastercard®

Quick Simple

Build credit like a pro - no complicated requirements!

You will be redirected to another website

Trending Topics

content

Unique Platinum Review: $1000 limit, no credit check!

The Unique Platinum card will not review your credit history to give you a $1000 credit line. Quick and simple!

Keep Reading
content

Chime® Debit Card Complete Review: No fees, no Hassle!

Unlock the full potential of your finances with our comprehensive Chime® Debit Card Review. Find out with our detailed insights!

Keep Reading
content

First Access Visa® Card Review: A Gateway to Credit Accessibility

First Access Visa® Card Review: Explore a pathway to credit accessibility with 1% cashback rewards. Is it worth it? Discover it!

Keep Reading

You may also like

content

PenFed Pathfinder® Rewards Visa Signature® Card Review: Earn more

Discover the ultimate travel companion with our PenFed Pathfinder® Rewards Visa Signature® Card Review! Up to 4x points on purchases!

Keep Reading
content

How to Apply for Net First Platinum: A New Beginning for You

Ready to transform your financial future? Apply Net First Platinum today and unlock a $750 credit limit with no credit or employment checks!

Keep Reading
content

Freedom Gold Card Review: Plus $750 to your monthly budget

Discover the card that can save your monthly budget. In this review, we bring every nuance of the Freedom Gold Card!

Keep Reading