A good fit if you
- You want to rebuild your credit or start a history from scratch
- You do not want money locked away in a deposit
- A fixed $1,000 starting line covers your monthly spending
- You plan to pay the full balance every month
Destiny® Mastercard® review: a guaranteed $1,000 limit if approved, with no deposit
An unsecured Mastercard for people working on their credit. Approved applicants start with a $1,000 line, keep their cash out of a deposit, and build a payment record all three bureaus can see. Reviewed by InstaPayDirect.
- Guaranteed $1,000 credit limit, if approved
- Unsecured, so no security deposit is required
- Reports to all three major credit bureaus
- Use it at 40 million Mastercard locations, whether online, in an app or in a store
Apply Nowon the issuer's secure site
Home / Credit cards / Destiny Mastercard
The Destiny Mastercard is built for a thin or bruised credit file. This version of the offer sets the credit line at $1,000 for every applicant the issuer approves, asks for no deposit, and sends your account activity to all three major credit bureaus. Think of it as a tool for building a track record, with the fees below as the price of that tool.
Our take
This card does one job. It hands someone with fair credit a working, unsecured Mastercard and a set $1,000 line to use it with. No cash is held back as a deposit, the card works at 40 million Mastercard locations, whether online, in an app or in a store, and it comes with Zero Fraud Liability. By the issuer's count, more than a million people have turned to this card to help build access to credit.
Then come the costs. You pay a $250 annual fee for year one, then $99 a year after that. There is no monthly fee in year one; from year two a monthly fee of $19.25 starts, which adds up to $231 a year. The purchase APR sits around 35.9%. Those numbers only make sense if you clear the balance every month and use the card to build history, not to borrow.
One more point: the $1,000 limit belongs to the offer behind the link on this page. Other Destiny offers can carry different terms, so apply through this page if the $1,000 line is the one you want.
How applying works
- Check the terms Open the application on the issuer's site and read the fee schedule and the APR before you fill anything in.
- Send it for review Every application gets reviewed by the issuer, which may look at your credit report. If it says yes, your credit line is $1,000.
- Build a record month by month Use the card lightly and pay before each due date. All three bureaus get the card's activity, so on-time payments show up in your history, and so do late ones.
Fees and rates
| Credit limit | $1,000, if approved |
| Security deposit | None (unsecured card) |
| Annual fee | $250 for year one; $99 per year from then on |
| Monthly fee | $0 for all of year one; from year two, $19.25 a month, which adds up to $231 a year |
| Purchase APR | About 35.9%; full terms on the issuer's site |
| Card network | Mastercard |
Fees, APR and limit come from the issuer and can differ from one applicant to the next. Check every term on the issuer's site first.
Who it suits
Maybe not if you
- A card with a low or no annual fee is open to you
- You want cash back or other rewards on your spending
- Yearly fees of this size would strain your budget
- You expect to carry a balance, where an APR around 35.9% gets expensive
Apply on the Issuer's Site
on the issuer's secure site
Destiny Mastercard, answered
01Is the $1,000 credit limit guaranteed?
Once you are approved, yes: every approved applicant on this offer gets a $1,000 line. Approval itself is the issuer's call, and the issuer may check your credit report before it decides.
02Will I have to pay a deposit?
No deposit is needed. This is an unsecured card, so opening the account does not tie up any of your money.
03What will the card cost me?
You pay $250 in annual fees for the first year and $99 for each year after. From the second year, a further $231 a year is charged in monthly parts of $19.25. The purchase APR is about 35.9%. Look over the complete terms on the issuer's site first.
04Can it help my credit score?
It can. Your account activity goes to all three major credit bureaus, so steady on-time payments and a low balance add positive history. Late or missed payments get reported as well.
The Destiny Mastercard is issued by The Bank of Missouri (tbom) pursuant to a license from Mastercard and serviced by Concora Credit Inc. Applications are subject to issuer review (which may include obtaining your credit report) and approval; to be approved you must meet the issuer's requirements for creditworthiness, ability to pay, and identity verification. This offer may be unique and can only be guaranteed when using the link provided; other offers for this card may feature different terms and conditions. Annual fees, APRs, and credit limits vary by applicant.
Advertisement. InstaPayDirect is a free comparison and referral service, not a lender or a card issuer. InstaPayDirect may earn a fee if you apply from this page; the issuer's terms for you stay the same either way.
A $1,000 line to rebuild with
No deposit, a $1,000 limit for approved applicants, and reporting to all three bureaus. You fill in the application on the issuer's own secure site in a few minutes.
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