In this Destiny Mastercard® review, we will show you how to get this unsecured credit card to help you repair your score.

The Destiny Mastercard® is designed for customers with a troubled credit history and anyone with a less-than-perfect credit score.

If you’re in the market for a product that can help you repair your financial status, keep reading to see what this card can do!

The Destiny Mastercard® is an excellent choice for those with bad or fair credit who are looking for the purchasing power of a credit card.

It doesn’t require a security deposit like secured cards, and it’s accepted nationwide because of its Mastercard coverage. 

The card charges a low annual fee and offers a 35.9% APR rate for purchases. There are also no monthly or service fees during your first year ($12,50 monthly thereafter).

After approval, Destiny provides its new cardholder a credit line of $700. However, the annual cost is deducted from the card as soon as it’s issued to you.

This is a credit card designed to repair your damaged credit history. Therefore, it reports to all three major credit bureaus in the country.

With sensible credit utilization, your credit score will improve in as little as a handful of months. 

The Destiny Mastercard® not only helps you build credit and ensures your financial safety with robust fraud protection features.

These protections give cardholders peace of mind while using their card for everyday purchases.

One of the standout features of the Destiny Mastercard® is Zero Liability Protection. This means you won’t be held responsible for unauthorized transactions made with your card. If your card is lost or stolen, you can report it immediately and avoid being charged for fraudulent activity.

The Destiny Mastercard® provides real-time alerts to help you monitor your account for suspicious activity. You’ll receive notifications via text or email for transactions that deviate from your usual spending patterns, enabling you to act quickly if something seems off.

In case of suspicious activity, the Destiny Mastercard® offers 24/7 customer support. You can reach out anytime to report fraud, freeze your card, or request a replacement. The support team is equipped to assist you promptly and help mitigate risks to your account.

The card also includes EMV chip technology, enhancing the security of in-person transactions. This chip encrypts your payment information, making it more challenging for fraudsters to clone or misuse your card details.

The Destiny Mastercard® supports advanced security protocols for online purchases to protect your card information. Features like secure authentication and encrypted payment processes ensure your transactions remain private and safe.

Fraud protection is a critical component of any credit card, and the Destiny Mastercard® offers a solid safety net for its users.

These protections, combined with its credit-building capabilities, make it a reliable choice for those who manage their finances responsibly while staying protected from potential risks.

Before applying for a Destiny Mastercard®, you should know everything it offers and its drawbacks to make an informed decision.

So read on to learn the main features of this product and if it aligns with your spending habits and credit-building goals.

Applying for the Destiny Mastercard® is a straightforward process designed to help individuals with fair or poor credit take control of their financial future.

Whether you’re looking to rebuild your credit or establish a stronger financial foundation, this card offers an accessible way to start.

With a simple prequalification process that won’t impact your credit score, the Destiny Mastercard® makes it easy to determine your eligibility.

Once approved, you can enjoy the benefits of monthly reporting to all three major credit bureaus, helping you build a healthier credit profile over time.

You need a credit score between poor and fair to pre-qualify for the Destiny Mastercard®. However, the annual fee the company will charge you is based on your credit history.

Checking your financial health before applying is crucial if you want lower interest rates.

Once approved for the Destiny Mastercard®, you can build a stronger credit profile and enhance your financial future.

Before applying, it’s essential to ensure you meet the Destiny Mastercard®’s basic requirements. Below are the qualifications you need to consider:

Also, to be eligible for this credit card, you must not currently hold a Destiny Mastercard® account or have had one previously closed due to delinquent payments.

First, complete a pre-qualification form with your personal information and social security number.

The company will assess your financial profile by clicking the “pre-qualify” button at the bottom of the page.

Complete the prequalification form by entering your personal and financial details. This step does not affect your credit score.

Read the cardholder agreement carefully, noting fees, rates, and other terms. If prequalified, you can proceed to submit your full application.

Approval is typically quick, and your card will be mailed to you upon acceptance.

Sadly, the Destiny Mastercard® doesn’t offer a mobile app for card requests or managing expenses. All new applications must go through their official website.

You can contact their toll-free customer service at 1-800-583-5698 for inquiries about the card or any other product the company provides.

Once you’re approved for the Destiny Mastercard®, the app becomes your go-to tool for managing your account. With just a few taps, you can:

Still unsure if the Destiny Mastercard® is the best option for your lifestyle? No worries!

There are a few options in the market for customers with low credit scores, and the FIT™ Platinum Mastercard® is one of them!

Learn its main features below and follow the recommended content to learn more about its application process!