By: Toby Sembower
Editor: Lillian Guevara-Castro
Reviewer: Ashley Fricker
Are you in the market for a new card and considering the Destiny Mastercard®? Before you apply for the card, you'll want to learn some key facts about the offer and how it compares to other cards on the market.
First, let's cover the basics. In reviewing the card, we rated it a 3.8 out of 5.0, which means that like many other cards, we found the Destiny Mastercard® to have some solid benefits and some possible drawbacks.
This card is built for those with bad credit, featuring easy approval and monthly credit-bureau reporting. However, its APR and fees make it amongst the most expensive to own.
Next up, let's dive into the details you should consider before applying. Here's a rundown of the card's key features, rates, and terms:
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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N/A
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N/A
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See terms
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See terms
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Poor to Good
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There's certainly a lot to like about the Destiny Mastercard®. But just like with other cards we review, we stress that potential applicants should pay attention to this card's rates and fees as part of the bigger overall picture.
Let's dive deeper into those rates and fees, as they could make or break whether owning the card makes sense for you and your financial situation.
The interest rate, also known as APR (annual percentage rate), tells you what percentage of your balance you can expect to pay in interest annually if you carry a balance.
According to the issuer, the Destiny Mastercard® currently charges the following interest rates on purchases and balance transfers:
Another possible expense to consider is the annual fee, which is the amount a cardholder is required to pay each year for the privilege of owning a particular card.
Here's the annual fee for the Destiny Mastercard® as listed by the issuer:
So far, we've covered the Destiny Mastercard® in great detail, from its many benefits to its current rates and fees. But what are your odds of approval? What credit score is needed to become a cardholder?
According to the issuer, the current general credit history requirement for the card is:
If you feel you have the credit needed for approval and you're ready to apply, you can do so online on the issuer's secure website.
Keep in mind that rates and features may change, so if you like what the card is offering today, you may want to apply now to lock it in its current terms before it's too late.
We've discussed the many benefits, drawbacks, and requirements of the Destiny Mastercard®, but how does it rank versus similar cards on the market? Below are all the category-specific ratings our team gives the card, along with the card's ranking within each category.
Quick hint: Want to see our best-reviewed cards in each category? Simply click the category name to see our top picks:
All told, our team's review of the Destiny Mastercard® resulted in a rating of 3.8 out of 5.0, as the card features many pros and cons for a potential cardholder to consider. Ultimately, it's up to you to determine if the card's benefits outweigh its possible drawbacks. If you determine that it's a fit for your needs, you may want to apply soon, as terms throughout the industry change regularly.
We hope our guide has been helpful in learning all you need to know about the Destiny Mastercard®. We wish you the very best on your financial journey!
Be sure to visit the official website for Destiny Mastercard® to learn complete details about its features and terms. If you’re not quite sure if Destiny Mastercard® is right for you, we encourage you to check out these guides to popular alternatives:
Before applying for the Destiny Mastercard® offer or any other offer, be sure you understand all fees, interest rates, and terms so you can make the best decision for your own financial goals.
