A good fit if you
- Want to know your starting limit before you begin
- Would rather keep your cash than lock it in a deposit
- Want each on-time payment seen by all three bureaus
- Can pay the statement off in full each month
HomeCredit cardsDestiny Mastercard
Destiny Mastercard: a $1,000 limit, guaranteed if you are approved
An unsecured Mastercard for building access to credit. Approval brings a $1,000 line you know in advance, and nothing is held as a deposit.
- A guaranteed $1,000 credit limit, if approved
- No security deposit required
- Reports to all three credit bureaus
- Accepted at 40 million locations online, in app and in store
Apply Nowon the issuer's secure site
Starter cards often keep you guessing about the limit until after you apply. This Destiny offer settles that early: approved applicants get a $1,000 line, and no deposit is taken. Before you go ahead, give the fees below a few minutes, because that is where this card asks the most of you.
Our take
The Destiny Mastercard is a rebuilding tool before anything else. It puts a working Mastercard in your wallet, accepted at 40 million locations online, in app and in store, with Zero Fraud Liability and monthly reporting to all three major bureaus. The issuer says over a million consumers have used the card to help build access to credit. What sets this offer apart is the limit: $1,000 from the day you are approved, rather than a small line you have to grow.
The cost is real, so take it slowly. The annual fee is $250 for the first year and $99 each year after. There is no monthly fee in year one; from the second year, $231 a year is billed as $19.25 a month. The purchase APR is around 35.9%. Our view: keep purchases small, pay the statement in full each month, and treat the card as a step toward better credit rather than a place to carry a balance.
One more thing worth knowing: the issuer says this offer may be unique and can only be guaranteed through the link on this page. Other offers for the same card can come with different terms.
Applying, one step at a time
- Start the application Apply Now takes you to the issuer's secure application. Give it a few unhurried minutes.
- The issuer reviews it Every application is checked, and the issuer may pull your credit report. The decision is the issuer's to make.
- Use it lightly, pay it fully Approved accounts start at $1,000 with no deposit. Small purchases paid on time are reported to all three bureaus, month after month.
Fees and rates
| Credit limit | $1,000, guaranteed if approved |
|---|---|
| Annual fee | $250 in year one; $99 a year after that |
| Monthly fee | $0 a month in year one; from year two, $19.25 a month, which is $231 a year |
| Purchase APR | About 35.9% (see terms) |
| Deposit | None, the card is unsecured |
The issuer sets every fee, and annual fees, APRs and credit limits vary by applicant. Read the full terms on the issuer's site before you apply.
Who it suits
Maybe not if you
- Already qualify for a low-fee card from a mainstream issuer
- Would rather avoid annual fees altogether
- Expect to carry a balance from month to month
on the issuer's secure site
Questions about Destiny Mastercard
Is the $1,000 limit really guaranteed?
It is guaranteed once you are approved: an approved account starts at $1,000. Getting approved is still up to the issuer, which reviews each application and may look at your credit report.
Do I need to put money down?
No. The card is unsecured, so no deposit is taken from you.
What will it cost each year?
The first year carries a $250 annual fee and no monthly fee. After that, the annual fee is $99, plus $231 a year billed as $19.25 a month. The purchase APR is around 35.9%. Read the full terms on the issuer's site before applying.
Can it help my credit?
Over time, it can. The card reports to all three major bureaus, so steady on-time payments and a low balance build a better record. Late payments are reported too.
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. FlexiFundLoan is a free loan-request and comparison referral service and a marketing affiliate, and we may be compensated when you use the links on this page. That never changes the terms you are offered. FlexiFundLoan is not a lender or card issuer.
A $1,000 line you know ahead of time
A guaranteed $1,000 limit if approved, no deposit and monthly reports to all three bureaus. The application takes a few minutes on the issuer's secure site.
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