Destiny Credit Card: Features, Charges, And Reviews 2023

Do you have some queries in mind about Destiny Credit Card? What is it? What are their benefits and charges? If you have heard the name Destiny MasterCard’s first name, then we are sure that you have lots of questions about this card. Here, we are going to explore Destiny Credit Card with its benefits and other details. If you want to know about this card clearly, then read this guide carefully till the end.

Nowadays, credit cards are an essential thing for people who want to make big purchases and pay the amount later. If you are a resident of the US and want to get a credit card, then you can apply for Destiny Credit Card.  Before Destiny Credit Card Application, you need to know about its features, benefits, and fees that we are going to share through this guide.

What is a Destiny Credit Card?

Destiny Credit Card is the best and most popular credit card in the United States. It is an unsecured credit card that is available for people with good or bad credit. The applicants can get pre-qualified for this card very easily and quickly. After you receive the card, your all transactions history will be reported to the three top credit bureaus. 

Destiny MasterCard is available at an annual fee of $59 to $99 and with an interest rate of 24.90%. You can get amazing benefits while using Destiny Credit Card like zero liability protection and identity theft protection. 

Read More: The Best Bank of America Credit Cards for Your Financial Needs

READ MORE:-Carter’s Credit Card Login 2023 

Who should Apply for a Destiny Credit Card? 

Destiny MasterCard is the best credit card that offers amazing offers, benefits, and cashback on every kind of purchase. Its pre-qualification and application process is very fast and easy. 

Destiny credit card is best for people who:

  • Have a bad credit score and want to increase the credibility
  • Never want to use a secured credit card
  • Don’t have requirement of fund transfer facility 

Highlights of Destiny Credit Card

These are some highlights of Destiny MasterCard:

  • There is no security deposit or other fees required to access this unsecured credit card
  • Keep you relaxed with zero fraud liability for unauthorized use
  • Its prequalification doesn’t affect your credit score which makes the applicant confident
  • Allows to choose the best card design that matches your style 
  • This card is acceptable across the nation. It can also be used in-app, online, and offline stores
  • It is the best card for daily lifestyle 
  • Easy and fast pre-qualifying process. You will get notified if your qualifications get accepted
  • It is easy to pre-qualify without getting credit score affected
  • This card sends your payment history to three big credit bureaus
  • It can be accessed in offline stores, online stores, and in-app purchases. This is accepted across the country.

What are the benefits of the Destiny Credit Card?

You can get lots of benefits that we mentioned below while using My Destiny Credit Card.

  • You don’t need a high credit score to get this card. With bad to good credit and even bankruptcy, you can pre-qualify for this card
  • It takes very less time to let you know if you are eligible for Destiny MasterCard or not.

Read more: Carter’s Credit Card: Everything You Need to Know

Consequences of Destiny MasterCard

Along with benefits, there are also some drawbacks of My Destiny Credit Card that you need to know before Destiny Credit Card application.

  • This card has a high annual fee of $59 to $99
  • It doesn’t offer introductory bonuses or rewards programs to new cardholders
  • Destiny MasterCard has a higher interest rate as compared to other credit cards available in the United States.

If the above drawbacks don’t affect you then you can go for prequalification for My Destiny Credit Card.

What are the fees and charges for Destiny MasterCard?

Issued by Genesis FS Card Services 
Credit Required Good/Bad
Annual fees $59-$99
APR 24.90% 
Cash advance fee$0 for the first year, and after that $5 or 5% of the transaction amount
Balance transfer fees $0
Foreign transaction fees 1% of the transaction amount 
Late payment fee maximum upto $40
Return payment feemaximum upto $40
Over-limit fee maximum upto $40

Read more: Best Business Credit Cards 2023

Comparison of Destiny™ MasterCard® with other Popular Credit Cards

Destiny™ MasterCard® vs. First Progress Platinum Prestige MasterCard Secured Credit Card

Annual fee: Destiny MasterCard has annual fees of $59-$9. However, First Progress Platinum Prestige MasterCard Secured Credit Card is available with an annual fee of $49.

Rewards: Both cards don’t offer rewards programs.

Signup bonus: No introductory bonus with either card.

Benefits: Destiny MasterCard provides theft protection and zero liability protection. First Progress Platinum Prestige MasterCard Secured Credit Card comes with the benefits of purchase protection, longer warranty coverage, and credit monitoring from Experian.

Destiny™ MasterCard® vs. Credit One Platinum Credit Visa Rewards Card

Annual fee: Destiny Credit Card comes with $59-$99 annual fees. On the other side, Credit One Platinum has an annual fee of $39 which is lower than Destiny MasterCard.

Rewards: There are no rewards from Destiny Credit Card. While, Credit One Bank Platinum Rewards offers 5% cashback on spending the first $5,000 on gas, internet, and grocery every year, and 1% on other purchases.

Signup bonus: No introductory bonus for cardholders from both cards.

Benefits: Destiny MasterCard Credit Card provides protection benefits such as theft protection and zero liability protection. However, Credit One Platinum Rewards Card offers $0 fraud eligibility and free credit score access to Experian.

How to apply for a Destiny Credit Card?

In this section, you will see the complete process of the Destiny Credit Card Application. If you have a good or bad credit score, then you can easily apply for Destiny Credit Card even without caring about your cibil score.

These are the steps that you must follow for Destiny Credit Card Application.

  1. Visit the official website of Destiny MasterCard.
  2. On the homepage, scroll down and click on the ‘prequalify’ option.
  3. After that, a new form will open on your screen. 
  4. Now enter your personal details and Social Security Number (SSN).
  5. Next, tap on the ‘Pre-Qualify now’ button.
  6. After that, you will find out if you are eligible for this card or not. 
  7. You will receive an application code and zip code in your email.
  8. Now, you can use these details to proceed with the application.

Read more: Chase Auto Financial Payoff Address 2023

How to check Destiny Credit Card Application Status?

After applying for Destiny MasterCard, it is very necessary to know its application status. You need to wait for some time to get a message or email regarding your Destiny MasterCard application. Its prequalification doesn’t take much time to let you know if you are eligible or not. But, after application, it may take some time to complete your application. For knowing the current status of your application, you can contact the customer care service of Destiny MasterCard.

Destiny Credit Card Limit

Destiny MasterCard comes with a starting credit limit of $300 to $700. You can not request to increase the credit limit for this card, unlike other credit cards. Generally, this is an unsecured credit card that helps people having bad credit to use credit cards. It can also help to increase the credit score of the customers by using it responsibly and paying bills on time.

Destiny Credit Card Reviews 2023

There are mixed reviews about Destiny MasterCard. Some people find it worthwhile, while others complain about its high annual fee. We are sharing some reviews which are mentioned by actual credit holders. 

Great Card’

San says ‘I had a great experience with this card. I recommend it to my friend, and I think he’s going to get one as well. 

Yes, I would recommend it to a friend.

‘Try it

Duane says that ‘It is easy to apply for although it has an annual fee, it’s a good choice for those trying to increase credit. Online account access for account balances, and payments. 

‘Thank you for your trust to help build my credit

Forrest says that ‘I want to thank you for your trust in me to help build my credit’. 

‘Destiny Credit Card’

Comelia says that ‘I am very pleased……excellent! 

‘Very Satisfied’

Frank says that ‘It is very satisfying


Phillip says that the limit is too low. 

‘Nice building credit card’

Leonard says ‘I sent a pre-approval letter, filled the application out, and learned that they honor their pre-approvals. However, I dislike the annual fee and low beginning credit amount.

Read more: KeyBank Payoff Address 2023

How to Contact Destiny Credit Card Customer Service?

If you want to know more about the features and application process of Destiny MasterCard, then you can contact customer care support through the contact details mentioned below.

Customer Service:

1800 583 5698


503 268 4711

Correspondence Address:

Genesis FS Card Services

PO Box 4477

Beaverton, OR

97076 4477

Technical Support:

1800 705 5144


Destiny Credit or Destiny MasterCard is an unsecured credit card for people with bad or good credit scores. Its prequalification process is very fast and easy to let you know if you are eligible for this card or not. This card is available with an annual fee of a minimum of $59 which is higher than other credit cards. So, if you have a bad credit score and don’t want a fund transfer facility, then you can apply for this card.

You can follow the process that we mentioned earlier to apply for Destiny MasterCard. It is very easy to pre-qualify and get in hand. Using this card can help you to build your credit score. So, after that, you can easily apply for another credit card with amazing features and benefits.

People Also Ask

Is Destiny MasterCard a real credit card?

Yes, this card is a real credit card which is the best option for people having good or bad credit scores.

What is the credit limit of Destiny Credit Card?

Destiny MasterCard comes with a maximum credit limit of $300.

Which company issues Destiny MasterCard?

First Electronic Bank and Member FDIC issue the Destiny MasterCard. This card is serviced by Genesis FS Card Services. Inc.

Can the credit limit be increased in Destiny MasterCard?

This card doesn’t increase the credit limit for cardholders. So, you cannot request an increased credit limit. 

What is the annual fee of Destiny MasterCard?

To use this card, you have to pay around $175 as an annual fee.

Is Destiny MasterCard a card for bad credit?

Yes, if you have a bad credit score and don’t want to use a secured card, then you can apply for Destiny MasterCard.

Can I use Destiny MasterCard at an ATM?

You can easily use Destiny Card for cash advances at an ATM and for online or offline purchases.

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