MASTERCARDMastercard Standard
Destiny Mastercard
- Annual Fee
- $0 or $59 or $75 or $125 or $175 or $250/yr by version (set at approval)
Terms checked against the issuer on July 29, 2026
At a Glance
- Annual Fee
- $0 or $59 or $75 or $125 or $175 or $250/yr by version (set at approval)
- Authorized User Fee
- $0
- Foreign Transaction Fee
- 5%
- Network
- Mastercard Standard
- Credit Required
- Poor
Earning Rates
- 0X
All Other
This card does not earn rewards - designed for credit building
Benefits & Perks
Insurance & Protections
3 protections$0 fraud liability protection included
You're never responsible for fraudulent charges on your Destiny Mastercard
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Reviews & Analysis
Pros and Cons
Pros
- +Unsecured card with no security deposit required
- +Available to consumers with poor credit
- +Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
- +The servicer advertises a guaranteed $700 credit limit if approved
Cons
- -High APR of 35.9%
- -No rewards or cash back on purchases
- -Fees set by the offer: annual fee up to $250 in the first year, or a monthly fee of $5 to $19.25
- -Up to $41 late payment fee
- -Foreign transaction fee of 1% to 5% depending on the agreement version
- -Cash advance fee of $5 or 5% at the same 35.9% APR
Who It's Best For
Best For
- People with poor or very limited credit who cannot qualify for other unsecured cards
- Those who need an unsecured card without a security deposit
- Consumers focused solely on rebuilding credit to qualify for better cards later
- People who will pay the balance in full every month to avoid interest
Not Ideal For
- Anyone who carries a balance (35.9% APR)
- People who qualify for lower-fee credit building cards
- Those seeking rewards or cash back
- International travelers (foreign transaction fee of 1% to 5%)
- Long-term cardholders
Details & Terms
Payment Terms
| Purchase APR | 35.9% (Variable) |
| Cash Advance APR | 35.9% (Variable) |
| Foreign Transaction Fee | 5% |
| Authorized User Fee | $0 |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Issuer Page | Issuer Page: Multiple card facts | |
| Destiny Official | — | Destiny Official |
| NerdWallet | — | NerdWallet |
| RewardsCC API | — | RewardsCC API |
| Destiny Official | Destiny Official |