The Destiny Mastercard

This card is built for those with limited, fair, or poor credit, including those rebuilding after bankruptcy or delinquencies.

Credit Card

Destiny Mastercard

Easy Easy Approval

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The Destiny Mastercard is an unsecured line of credit designed as a tool for people who can’t get a “yes” from anyone else. Think of it as a specialized, high-cost contractor you hire for one specific, difficult job: reporting payments to the credit bureaus when no one else will..

The Straight Talk on the Destiny Mastercard: Your Costly Last Resort

The Only Real Reasons to Consider It

You Don’t Need a Security Deposit. This is the main selling point. If you absolutely cannot scrape together the $200-$300 needed for a much cheaper secured card, this is your way in the door without putting cash down.
It Reports to the Big Three. It does what it promises: reports your payment activity to Experian, Equifax, and TransUnion. A year of perfect, on-time payments will build a payment history, which is the foundation of a better credit score.
A “Yes” When Everyone Else Says “No”. They are known for approving applicants with very poor credit, including recent bankruptcies. Sometimes, just getting a starting line is the win you need.

The High Price of a Second Chance

The Upfront Hit: It charges a massive annual fee the second you’re approved (up to $175). So, if you get a meager $700 limit, you’ll actually start with only $525 in available credit.
The Monthly Drain: After the first year, some versions of the card will tack on a monthly maintenance fee (around $12.50). That’s another $150 per year on top of a renewed annual fee.
The Interest Rate Trap: The APR is fixed at a sky-high 35.9%. Let me be clear: This is not a card for carrying a balance. Ever. If you don’t pay it off in full every month, the interest will bury you and negate any credit-building progress you’ve made.
Zero Perks. You are paying hundreds of dollars over time for the sole function of having a credit line. There is no cash back, no rewards, no travel points, no digital wallet support. Nothing.

The Bottom Line: Is This Your Card?

The Destiny Mastercard is built for real people facing real challenges—those who may have hit a few bumps on their financial journey but are ready to bounce back stronger. It’s designed for individuals who have struggled with credit in the past, been denied by traditional lenders, or simply can’t afford a security deposit but are determined to rebuild their credit history. If you’re motivated, disciplined, and serious about creating a better financial future, the Destiny Mastercard gives you the opportunity to prove it. It’s not about where you’ve been—it’s about where you’re going, and this card is here to help you get there.

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