Directly with Concora Credit Inc.
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Destiny Mastercard®
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Don't wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
- Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work.
- Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit required—get started today!
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
* The Destiny Mastercard is issued by Concora Credit Inc. Applications are subject to issuer review (which may include obtaining your credit report) and approval. Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.
Credit Needed: Poor, Fair, LimitedCreditWeb considers the following based on credit types:
A credit score between 601 and 699 is considered fair credit. A credit score between 645 and 689 is considered limited credit. A credit score below 600 is considered poor credit. 2
Reviews: Be the first to write one
Rewards: None
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Our OpinionThe Destiny Mastercard is one of those credit card offers you simply can't ignore. With so many benefits - and only a handful of potential downfalls - there's a good chance it offers everything you've been looking for.
Destiny Mastercard Pros
To start, let's examine the many benefits of the Destiny Mastercard. Here's what you get when you decide to open an account:
- Designed for all consumers, including those with poor credit (and even if you have a bankruptcy on your credit report)
- No security deposit (it's not a secured credit card)
- Online prequalification (it only takes a few minutes, at most, for a decision)
- Choose from a variety of designs (carry the style that best shows who you are)
- Reporting to all three major credit bureaus (critical for building your credit score)
All of these things are exciting, but there's something else that makes the Destiny Mastercard a good choice: 24/7 online account management.
This is something you've come to expect in today's day and age, and the Destiny Mastercard doesn't disappoint. From your dashboard you can check your balance, pay your bill, contact customer service, and much more. Some credit applicants may have received a letter for pre-qualification. If one of them is you, visit destinyapply.com to enter your invitation code. You will still need to apply for the credit card. Visiting destinyapply.com does not mean that you are already approved.
Destiny Mastercard Cons
It doesn't matter what credit card you're considering, you're likely to find a handful of things that don't fit into the "benefit category." Fortunately, with the Destiny Mastercard, these are few and far between.
Here's what you need to know:
- The annual fee is higher than average
- No option to earn cash back or reward points
- Higher than average APR
These details may not be ideal, but they're a small price to pay for what you get in return. Just remember to pay your balance regularly before the end of each grace period.
Final Thoughts on the Destiny Mastercard
As you compare the pros and cons of the Destiny Mastercard, you'll find that there's more to like than dislike.
It's not the only credit card for consumers with imperfect credit, but it's definitely one of the best.
