Destiny card or Indigo® Mastercard®: find the best choice!

The Destiny and the Indigo® Mastercard® with Fast Pre-qualification cards are designed specifically for people with bad credit, and they can help you rebuild your credit rating over time. But which one is right for you? Let's take a look at them to help you decide!


by Aline Barbosa

Published on 04/02/2022

Destiny credit card or Indigo® Mastercard® with Fast Pre-qualification?

indigo and destiny cards
Destiny or Indigo® Mastercard® with Fast Pre-qualification? Source: Stealth Capitalist.

Are you looking to rebuild your credit rating with the help of an unsecured credit card? Then the Destiny or Indigo® Mastercard® with Fast Pre-qualification cards can be of great help! They share very similar features, including the possibility of building a better financial future. 

If you have a bad or fair credit score, getting a line of credit can be difficult. Most issuers will require a security deposit to provide a credit card for customers they consider to be high-risk. However, both Indigo and Destiny cards will let you keep your money.

Like most subprime unsecured credit cards, they charge a low annual fee and a fixed APR for purchases. On the other hand, they report to all three credit bureaus in the country, so you’ll slowly but surely repair your financial status with the help of these products.

So don’t let your past keep you from your future! Read on and learn about both cards’ features, pros, and cons. That way you can decide which option is best for your needs.

Destiny card

How to apply for a Destiny Credit card?

Learn how to apply for the Destiny card and take the first step into building a better financial future!

Indigo Mastercard card

How do you get the Indigo® Mastercard®

Learn how to apply for an Indigo® Mastercard® with Fast Pre-qualification card and start working on a better financial future today!

Destiny credit cardIndigo® Mastercard® credit card
Sign-up bonusPoor – FairPoor – Fair
Annual fee$75 First Year, $99 every year after that$75 First Year, $99 every year after that
Other perksN/AN/A

Destiny credit card  

Destiny card dark blue
Destiny credit card. Source: Stealth Capitalist

A sound, unsecured credit card can be a helpful tool in rebuilding a less-than-perfect credit score back to its total health. That said, the Destiny credit card’s primary goal is to help you move forward, no matter your credit history.

Its easy pre-qualification process will tell you whether or not the product is available to your financial profile in under 60 seconds. It will also not impact your credit score whatsoever, so you don’t have to worry about hard inquiries.  

The Destiny card doesn’t require a security deposit and is an excellent choice for anyone looking for the purchasing power only a credit card can provide. It charges an initial annual fee of $75 during its first year and $99 every year after that. There’s also a fixed 24.90% APR for purchases but no application, service, or monthly fees. 

The card’s covered by Mastercard, which means it has nationwide acceptance for online, in-app, and in-store shopping. Since it was made to rebuild a damaged credit history, the Destiny credit card reports all monthly payments to Equifax, Experian, and TransUnion — the three major credit bureaus in the country. 

With the card’s approval, Destiny provides an initial credit limit of $300. However, the annual fee is deducted from that credit line as soon as it’s issued. That means you’ll get $275 to cover expenses, and the $300 will be reestablished after you pay off the charge. 

If you’re looking for a healthy way to repair your financial status, check below to see the pros and cons of the Destiny credit card. That way, you can make a well-informed decision:


  • No security deposit required;
  • Accepts applicants with low/fair credit scores;
  • Reports to the 3 major credit bureaus;
  • No application, service, or monthly fees;
  • Fast pre-application process;
  • $0 fraud liability


  • Annual rate deducted from initial credit limit;
  • Charges an annual fee;
  • High fixed APR;

Indigo® Mastercard® with Fast Pre-qualification card

picture of the Indigo card
Indigo® Mastercard® with Fast Pre-qualification card. Source: Indigo.

The Indigo® Mastercard® with Fast Pre-qualification credit card is an excellent option for anyone with a challenging credit history to get a fresh start. First of all, it doesn’t require new cardholders to make a security deposit. Then, its pre-qualification process is fast and will tell you if you’re eligible in under 60 seconds without affecting your credit score. 

The card charges an annual fee of $75 during the first year of card membership and $99 the following years. Indigo has a fixed 24.90% APR in purchases like most unsecured credit cards. It provides nationwide coverage by Mastercard, and there’s also a $0 liability for unauthorized charges. 

The Indigo® Mastercard® with Fast Pre-qualification credit card is marketed as a product designed to help customers build a healthy credit history while living their best lives. Therefore, it reports all payments to the three major credit bureaus (Equifax, Experian, and TransUnion).

This card can help you reach your financial goals in as little as a handful of months. Check some of its main benefits below:


  • Available for all types of credit scores;
  • Reports to all three major credit bureaus;
  • Fast pre-qualification won’t affect customers credit scores;
  • $0 liability for unauthorized charges;
  • Nationwide acceptance;


  • No sign-up bonuses or rewards;
  • High APR in purchases;
  • Charges an annual fee;
  • High rates for late payments;

Destiny credit card or Indigo® Mastercard® with Fast Pre-qualification: still not sure which is the best card option for you?

Now that you know everything about the Destiny or Indigo® Mastercard® with Fast Pre-qualification credit cards, it’s time to choose which option is the best for your financial needs. 

However, it’s important to note that you should always be cautious before applying to any product that can impact your credit score. Since these are products made to repair your rate history, make sure you have a solid budget. That way, you can make all payments in time and avoid further damage. 

Both Destiny or Indigo® Mastercard® with Fast Pre-qualification have similar features. They’re designed for customers who want to rebuild their credit. They’re unsecured cards that require no security deposit. They also have the same annual fee and fixed APR on purchases.

The main difference is that the Indigo option does not deduct the annual cost from the initial credit limit. That can be a deciding factor for new cardholders if they want better purchasing power. 

The bottom line is that the choice is up to you. Evaluate what you’re looking for and make sure the card you wish for can cover all your needs. And if Destiny or Indigo® Mastercard® with Fast Pre-qualification cards are not exactly what you want, we have a third option ready for you!

The Fit Mastercard is an unsecured credit card with an initial credit limit of $400. Made for customers who need help repairing their credit scores, it reports to credit bureaus. It also doubles your limit with timely payments after a short period! Want to learn more about this product? Follow the link below for our full review!

Fit mastercard credit card

Applying for the Fit Mastercard card: learn how!

Learn the application process for the Fit Mastercard card and bring your finances back to health!

About the author

Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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