Destiny Mastercard® credit card full review: should you get it?

See the full review of the Destiny Mastercard® credit card, a financial product with all the advantages to help you build your credit with confidence.


by José Gonçalo

05/22/2022 | Updated on 03/30/2023

Destiny Mastercard® credit card: building your credit with powerful help

Destiny Mastercard® credit card
Learn all about the Destiny Mastercard® credit card. Source: Destiny

In fact, the worst part of applying for a credit card when you have bad credit is having to make deposits to access credit. Fortunately, not all cards create this barrier. So, get to know the Destiny Mastercard® credit card and understand why this could be your newest card.

Destiny® logo

Destiny Mastercard® card: check out how to apply!

A credit card with no hidden fees that helps you build credit in comfort. Learn how to apply for your Destiny Mastercard® card.

Credit ScoreFrom bad to fair (330-670)
Annual Fee$75 for the first year and $99 for subsequent years or $59 for the first year onwards
Regular APR24.9% (fixed)
Welcome bonusNone

Destiny Mastercard® credit card: learn more about this financial product

A great help for anyone who needs to build credit. This is certainly the first impression of anyone who consults the advantages and conditions of the Destiny Mastercard® card.

First of all, this option has basic services that any credit card looking to help you build credit needs to offer. In fact, the Destiny Mastercard® issues payment reports to the country’s major credit bureaus.

To top it off, this card is willing to offer credit to people with low credit scores, including people who have already gone through bankruptcy proceedings.

For no barriers, the Destiny Mastercard® also requires no entry, which is common on cards for people with bad credit.

In addition, the benefits continue with the 1% fee on foreign transfers (3 times lower than the market average). Finally, this card offers fraud exemption and all the benefits of having a Mastercard card.

Destiny Mastercard® credit card features

notebook with credit card flower and violet
Learn more about the card’s pros and cons! Source: Pixabay.

Is the Destiny Mastercard® card right for you? In fact, one of the best ways to answer this question is to compare the advantages and disadvantages. So, take a look at the features of this card to make the right choice.

What are the benefits?

  • Credit is released as soon as the card is approved without the need to make deposits;
  • Fixed APR, so there are no surprises;
  • It accepts applicants with bad credit, including those who have already gone through bankruptcy;
  • Start with a $700 credit limit.

What are the drawbacks?

  • Very high annual fee;
  • No reward programs, let alone welcome bonus;
  • APR above the market average;
  • No APR introduction.

What credit score do you need to get the Destiny Mastercard® credit card?

Credit scores are definitely not an issue for anyone with their eyes on a Destiny Mastercard®. To apply, all you need is a score between 300 and 670.

How does the Destiny Mastercard® credit card application process work?

We knew you would ask that question! Good thing we already have an article ready just to talk about the application of this card. To understand everything you need to know about this process, click below for details.

Destiny® logo

Destiny Mastercard® card: check out how to apply!

A credit card with no hidden fees that helps you build credit in comfort. Learn how to apply for your Destiny Mastercard® card.

About the author

José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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