Destiny™ Mastercard®

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Last updated on February 17th, 2023

Destiny™ Mastercard®

Destiny™ Mastercard® uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Fair / Poor
Mastercard Processing Network
$75 the first year; $99 thereafter Annual Fee

Destiny™ Mastercard®

  • 24.9% Regular Purchase APR
  • 29.9% Cash Advance APR

At a Glance

The Destiny Mastercard is an ideal credit card for those with bad or fair credit who want the purchasing power of Mastercard but without the security deposit requirement of a secured credit card. With a modest annual fee and manageable initial credit limit, the Destiny Card doesn’t care about your credit past – instead, it helps you focus on your credit repair journey.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Accepted nationwide, wherever Mastercard is accepted
  • Simple and fast application process
  • Less than perfect credit is okay
  • An opportunity to build and access credit
  • Regular Purchase APR: 24.9%
  • Cash Advance APR: 29.9%
  • Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater (max $100)
  • Annual Fee: $75 the first year; $99 thereafter
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • Over Limit Penalty Fee: Up to $40
  • You have an imperfect credit history, which may include a past bankruptcy
  • You have less-than-perfect credit
  • You want a Mastercard but don’t want to pay a security deposit
  • You want a credit card with the versatility to make foreign purchases
  • You plan to pay your statement in full every month

Destiny Mastercard® Review

The Destiny Mastercard is a credit repair and credit builder card designed for those with either bad credit or a fair credit score. Genesis Financial Card Services, the card’s issuer, is a specialist in the subprime credit marketplace, and this shows in every regard with the Destiny credit card.

A Competitive Card in a Crowded Marketplace

Not only is the Destiny Mastercard able to hold its own in an already busy marketplace, but the card outperforms many challengers with a lower APR and modest annual fee.

The Destiny Mastercard features fixed purchase APR. Because it is not variable with the Prime Rate, applicants don’t have to worry about the interest rate going higher than it already is.

The Mercury Mastercard, another popular option in the credit repair space, has an APR that starts higher up on purchases. And because it’s variable, many applicants could receive the high end of the spectrum. This means that even with damaged credit, Destiny offers an interest rate that’s always lower than that of the Mercury Card.

A Modest Annual Fee

Like other subprime, unsecured credit cards, the Destiny Mastercard features an annual fee. This fee is modest when compared to other available offers. Some unsecured credit cards for bad credit – especially catalog cards for use with online shopping portals – have steep annual fees of over $100 per year.

In comparison, Destiny’s yearly charge is not only reasonable – but very competitive. This charge is made even better by the fact that the Destiny Card has no application fees, no monthly maintenance fees, and no initial setup fees.

Initial Credit Limit for the Destiny Mastercard

When approved for the Destiny Mastercard, you’ll receive an instant credit line of $300. It’s important to note, however, that your initial credit line will not be $300, as the annual fee must be automatically paid when the card is issued. Once you pay off that charge, you’ll have access to the full $300 line of credit.

Designed for Repairing Damaged Credit

The Destiny Card is a credit card designed for repairing your credit. As such, the card regularly reports your payments to all three major credit bureaus: Experian, Equifax, and TransUnion. If you pay your bills on time and keep your credit use (also known as credit utilization) low, you’ll watch your credit score rise in no time.

All the Benefits of a Mastercard Credit Card

While the Destiny Mastercard is all about repairing your credit, the card is still a fully-fledged Mastercard credit card. That means the card enjoys the worldwide acceptance of the Mastercard payment network – accepted in 212 countries worldwide.

And when you use your Destiny Mastercard abroad, you’ll enjoy a very modest foreign transaction fee. Most subprime credit cards have a foreign transaction fee of 3% of the cost of the transaction in U.S. dollars. Destiny, on the other hand, has a very reasonable foreign transaction fee of 1%, making it the ideal tool for purchases – both at home and abroad.

Since Destiny is a full Mastercard product, you’ll also enjoy a suite of Mastercard purchase protections and security features. These features include:

Zero Liability Protection Mastercard Global Services ID Theft Protection

FAQs About the Destiny Card

Here are some commonly asked questions about the Destiny Mastercard:

    You can make an immediate payment online through this website, call us to make a payment over the phone, make a payment through MoneyGram, or send your check or money order through the mail.
    In some cases, the available credit may not reflect your payment for up to 14 days in order to verify funds. This is disclosed in the “Making Payments” section of Agreement that governs your account.
  • The Destiny Mastercard is accepted at locations nationwide where you see the Mastercard logo. 
  • US residents aged 18 and older can apply for the Destiny Mastercard. There are no geographical restrictions. 

Destiny Card Ratings

How does Genesis DS, the card’s issuer, stack up? Here is a selection of expert reviews for the card:

Should You Apply for the Destiny Mastercard?

Overall, there isn’t a lot to dislike about the Destiny Mastercard. The card compares favorably to both the Indigo Platinum Mastercard and the Milestone Gold Mastercard – two other quality credit repair credit cards from Genesis Financial Card Services. And since those cards are always two of the most popular unsecured credit cards for bad credit, the Destiny is in great company.

Repairing your credit takes patience, persistence, and the right tools. While Destiny can’t force you to spend responsibly, it provides you with the right tools for the job of boosting your credit score. If you use your card to make small purchases, keep your credit utilization low, and pay your bill in full and on time each month, the Destiny Mastercard will do the rest.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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