The Destiny Mastercard offers something many people are looking for: a second chance. Designed specifically for those working to rebuild their credit, this card combines accessibility with the prestige and convenience of the Mastercard network.
What makes the Destiny Mastercard different is its focus on empowering you to take control of your financial journey. It’s not about punishing past mistakes—it’s about helping you move forward. With no security deposit required and monthly reporting to all three major credit bureaus, this card is a true partner in your goal to establish a stronger credit history.
Benefits of the Destiny Mastercard
- Credit Access Without Perfect History: Many traditional cards shut the door on applicants with past financial challenges, but not the Destiny Mastercard. Even with a fair or poor credit score, you can still qualify and begin your path toward rebuilding credit.
- No Security Deposit Required: Unlike secured cards that require hundreds of dollars upfront, the Destiny Mastercard® lets you start without locking away your cash—giving you more flexibility in your budget.
- Reports to All Major Credit Bureaus: Your monthly activity is reported to Experian, Equifax, and TransUnion, which means on-time payments and responsible use can gradually boost your score.
- Pre-Qualification with No Impact on Your Credit: You can see if you’re likely to be approved before submitting a full application, avoiding unnecessary hard inquiries on your report.
- Wide Global Acceptance: With Mastercard’s global reach, you can use your Destiny card in stores, online, and abroad—making it a convenient choice for everyday spending or travel.
- Fraud Protection and Security: Mastercard’s Zero Liability policy ensures you’re not held responsible for unauthorized transactions, giving you peace of mind.
- Easy Online Account Access: Check balances, make payments, and view transactions anytime through the online account management system.
- Fixed Monthly Minimum Payments: The card’s structured payment schedule makes budgeting more predictable and manageable.
- Option to Set Up Autopay: Never worry about missing a payment—autopay helps you stay consistent, which is key to improving credit.
- Supportive Customer Service: The issuer’s customer care team is available to answer questions and guide you through managing your account effectively.
Who Can Apply?
To apply for the Destiny Mastercard, you must:
- Be at least 18 years old (19 in certain states)
- Have a valid Social Security number
- Reside in the United States
- Meet the issuer’s creditworthiness criteria (including applicants with limited, fair, or poor credit)
- Not currently have an active Destiny Mastercard® account
How to Apply
- Visit the Destiny Mastercard application page.
- Complete the pre-qualification form for an instant decision without affecting your credit score.
- If you pre-qualify, proceed with the full application, providing personal and financial information.
- Submit the application and await the approval decision.
Frequently Asked Questions
- How does the pre-qualification process work? The pre-qualification process uses a soft credit inquiry to review a limited version of your credit report. This allows the system to determine your likelihood of approval and match you with a specific fee offer without impacting your credit score. It is a risk-free way to see your terms upfront.
- What is the difference between my credit limit and my available credit? Your credit limit is the maximum amount you can have as a balance on your card (e.g., $700). Your available credit is that limit minus any current balance and pending charges. When you first open the account, your annual fee is charged, so your initial available credit will be your credit limit minus the annual fee amount.
- How does the credit limit increase process work? After you make at least six on-time monthly payments, your account is automatically reviewed for a potential credit limit increase. The decision is based on your payment history with the card and your overall credit standing at the time of the review. An increase is not guaranteed.
- What information about my account is sent to the credit bureaus each month? Each month, the servicer reports a standard set of data to the credit bureaus. This includes your account open date, credit limit, current balance, highest balance, most recent payment amount, and your payment status for the month (e.g., paid as agreed, 30 days past due, etc.).
