Note: The information provided in this article is accurate at the time of publication, but may be subject to change or cancellation by the card issuer.

The Destiny® Mastercard® is designed for people who are rebuilding their credit or have limited credit history.

Unlike secured cards that require an upfront deposit, the Destiny card offers an unsecured line of credit, potentially appealing to users who can’t or prefer not to tie up funds in a security deposit.

However, this convenience comes at a cost, as the card includes high annual fees, a steep APR, and limited features.

This review covers everything you need to know — including key features, pros and cons, eligibility requirements, how to apply, and whether this card is the right fit for your situation.

The Destiny® Mastercard® is built for individuals who need access to unsecured credit and who may not qualify for more affordable alternatives.

With predictable reporting to the major credit bureaus and a guaranteed credit limit upon approval, it serves as a credit-building tool, though one with significant trade-offs.

Below are the main features that define the Destiny® Mastercard®:

The card does not require a security deposit, making it accessible to users who want to build credit without tying up cash.

According to the issuer’s Mastercard profile, approved applicants receive a guaranteed $700 credit limit, providing a clear starting point for credit utilization planning.

Monthly reporting to Experian, Equifax, and TransUnion helps users build or rebuild credit with responsible use.

The first-year annual fee can reach $175, with subsequent years carrying additional charges depending on the specific offer.

Interest rates are steep compared to most cards, with some analyses listing APRs around 35.90%, making carrying a balance expensive.

Beyond standard Mastercard protections, the card offers few additional perks and does not include rewards.

While this card comes with notable drawbacks, it does have specific advantages for users in difficult credit situations. Understanding these can help determine whether the card’s benefits outweigh its costs.

The disadvantages of this card can significantly impact its overall value. Reviewing these points closely will help you assess whether these trade-offs make sense for your situation.

Before applying, it helps to understand the typical requirements lenders consider for this type of card. While exact criteria can vary, most applicants should meet the following expectations.

The application process is simple, but having your information ready helps ensure everything goes smoothly. Follow these steps to get started.

This section highlights which users are most likely to benefit from this card. Evaluating your financial needs and goals against these profiles can help clarify whether this card fits into your credit-building strategy.

Some users may find that the costs and limitations outweigh the benefits. This table outlines the profiles least suited for the Destiny® Mastercard®.

The Destiny® Mastercard® can be an option for users who need unsecured credit access despite having poor or limited credit history.

Its guaranteed $700 limit and steady credit reporting offer opportunities to rebuild credit with disciplined use.

However, high fees, a steep APR, and limited benefits mean that it may not be the best long-term solution. For many users, secured cards or lower-cost alternatives could provide a more affordable path to rebuilding credit while still offering useful features.