The Destiny Mastercard $1,000 offer at a glance
The Destiny® Mastercard® is an unsecured credit card for people whose credit needs work. This link carries the $1,000 offer: if the issuer approves you, your credit limit is $1,000, and there is no security deposit to put down first. It is a real Mastercard, accepted at 40 million locations online, in app and in store, and it reports your activity to all three major credit bureaus. The terms on this page can only be guaranteed when you apply through the link here; other Destiny offers may carry different terms.
Key benefits
- A guaranteed $1,000 credit limit if approved, so you know your starting line before you apply.
- No security deposit. Unlike a secured card, nothing is tied up in a deposit account.
- Activity is reported to all three credit bureaus, so each on-time payment goes onto your credit file.
- Accepted at 40 million locations online, in app and in store.
- Zero Fraud Liability, and over a million consumers have used the Destiny Mastercard to help build access to credit.
How it works
Apply on the issuer’s site
The application takes a few minutes. You will see the offer terms before you submit anything.
The issuer reviews it
Applications are subject to issuer review, which may include obtaining your credit report, and approval.
Use it, pay it, build
If approved, your limit is $1,000. Pay on time each month and keep the balance low; the card reports to all three bureaus.
Ready to see the terms for your situation?
Apply on the Issuer's SiteRates and fees
This card is priced for rebuilding credit, so the fees run higher than a prime card. The numbers below are the terms attached to this offer; always read the full terms on the issuer’s secure site before you apply.
| Credit limit | $1,000, guaranteed if approved |
|---|---|
| Security deposit | None (unsecured) |
| Annual fee | $250 in the first year, then $99 each year |
| Monthly fee | $0 the first year (billed $0 each month); $231 annually thereafter (billed $19.25 each month) |
| Purchase APR | Around 35.9% (see terms) |
Who it is for
A good fit if you
- Want a known $1,000 limit from day one, if approved
- Would rather not fund a security deposit
- Want every on-time payment reported to all three bureaus
- Plan to pay the balance in full each month
Maybe not if you
- Can qualify for a card with lower fees
- Would rather not pay an annual fee plus a monthly fee from year two
- Will carry a balance at a high APR
- Want rewards or cash back