The Ultimate Guide to Credit Cards
Friday, December 2, 2022

Destiny Mastercard® Cashback Rewards

► 2022 Review, Application & Rates

"This is a rare unsecured cash back card for poor and fair credit applicants. Though it has a nice rewards rate, the annual and monthly fees will eat away at any profits you make if you aren't charging at least $1,000 a month on the card."
- Toby Sembower,
Advertiser Disclosure
Destiny Mastercard® Cashback Rewards Review

at Destiny Mastercard®'ssecure website





  • 24/7 access to your account information, even on mobile
  • 24/7 access to your account, even on mobile!
  • 24/7 mobile account access
  • Accepted nationwide, wherever Mastercard is accepted
  • Access your account online 24/7 at no additional cost
  • Access your account online or from your mobile device 24/7
  • Account history is reported to the three major credit bureaus in the U.S
  • All the benefits of a Mastercard, without a security deposit
  • An unsecured card perfect for everyday purchases
  • An unsecured Mastercard for less than perfect credit
  • Card designs to fit your personality at no extra charge
  • Chip card technology for additional fraud protection
  • Chip technology for your convenience and security
  • Choice of card image at no extra charge
  • Choose your card design at no additional cost
  • Choose your card design with chip technology at no additional cost
  • Cover your everyday needs without a deposit
  • Don't have perfect credit? No problem!
  • EMV chip included for added peace of mind
  • Enjoy easy online account access 24/7
  • Fraud protection for stolen or lost cards
  • Fraud protection from unauthorized charges
  • Get access to the credit you need, no deposit required
  • Get the convenience of an unsecured Mastercard, even with less than perfect credit
  • Get the flexibility of an unsecured Mastercard, even with less than perfect credit
  • Keeping your account in good standing may help establish and/or improve your credit history
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Less than perfect credit is okay
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Mobile account access at any time
  • Mobile friendly online access
  • Multiple card design options to choose from at no extra charge
  • Multiple card designs to choose from, no extra charge
  • No security deposit
  • No security deposit needed
  • No security deposit required
  • No security deposit required, even with less than perfect credit
  • Online servicing available 24/7 at no additional cost
  • Pick from multiple card designs at no extra charge
  • Protection from fraud if your card is stolen
  • Protection from fraud, if your card happens to be lost or stolen
  • Reports to all three major credit bureaus
  • Responsible use and on time payment history can begin your financial future on the right track
  • Select your own style of card design at no extra charge
  • Simple and fast application process
  • Unsecured credit card, no deposit required
  • Unsecured credit card, no security deposit required
  • Use nationwide wherever Mastercard is accepted
  • Worry-free fraud protection if your card is lost or stolen
  • Your financial future is important. Keeping your Destiny account in good standing may help establish and/or improve your credit history with reporting to the three major credit bureaus
  • No security deposit required, so you can keep more money in your wallet. Destiny Mastercard also comes with affordable monthly payments and manageable credit limits
  • $0 Fraud Liability for unauthorized use offers you peace of mind
  • Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
  • Quick and easy application process with a typical decision in 60 seconds or less
  • Earn 1.5% cashback rewards on all of your eligible purchases!
  • Get 1.5% cashback rewards for all of your eligible purchases!
  • Make every purchase a cashback rewards purchase
  • A chance to earn cashback rewards for everyday purchases
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
$175 the first year; $49 thereafter
Poor to Good

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

Bad Credit
(Ranked #38 out of 40)
Best Overall
Cash Back
(Ranked #52 out of 53)
Fair Credit
(Ranked #27 out of 28)
(Ranked #14 out of 16)

Advertiser Disclosure is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across (including, for example, the order in which they appear). does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.