LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Credit card review

Destiny Mastercard Review

DestinyMastercardSecured

Destiny Mastercard earned 1.5 / 5 in our 2026 review. The Destiny Mastercard earns no rewards with a $175 annual fee. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-08-04
Destiny
Destiny Mastercard
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TL;DR
Annual fee
$175
Signup bonus
None
Top reward rate
No rewards
Intro APR
None
Issuer
Destiny
Network
Mastercard
Min credit score
300
Fintiex rating
1.5 / 5
Pros
  • +Unsecured card with no security deposit required
  • +$700 credit limit on the current standard offer, higher than many subprime cards
  • +Prequalification uses a soft pull that does not affect your score
  • +Reports to all three major credit bureaus (Equifax, Experian, TransUnion)
  • +Considers applicants with past bankruptcy
Cons
  • -Annual fee is $175 the first year, then $49 plus $12.50 per month (about $199 per year) after that, as of mid-2026; terms vary by offer
  • -Fee math: the $175 first-year fee eats 25% of a $700 limit the day the card opens, and the ongoing fees keep charging you roughly $199 a year for the privilege of a $700 line
  • -35.9% purchase APR, among the highest of any mainstream card
  • -No rewards, no cash back, and no reliable path to credit limit increases or an upgrade
  • -Issued by First Electronic Bank and serviced by Concora Credit, the same servicer behind the Indigo card, with a similar complaint record on fees and servicing
  • -Over three years you would pay roughly $573 in fees; a Discover it Secured or Capital One Platinum Secured costs $0 in fees over the same period and gives your deposit back
  • -Verdict: not recommended; nearly anyone approved for Destiny can either fund a small secured deposit or get approved for Mission Lane, and both are cheaper ways to rebuild

Rewards detail

The Destiny Mastercard is built for credit building, not rewards. There is no cash back or points program attached to spending. The value here is in reporting positive payment history to all three credit bureaus while you rebuild your score.

Rates and fees

Annual fee
$175
Purchase APR
35.9%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
35.9%
Cash advance APR
35.9%
Balance transfer fee
None
Foreign transaction fee
1%
Who it's for

The Destiny Mastercard is built for people who want a secured card. Most approvals land at FICO 300 and above, but issuers prefer scores near 550. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best secured cards roundup.

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Frequently asked questions

Does the Destiny Mastercard have a foreign transaction fee?
Yes. The Destiny Mastercard charges a 1% foreign transaction fee on purchases made outside the United States. If you travel internationally often, pair this card with a no-foreign-fee travel card.
What credit score do I need for the Destiny Mastercard?
Approvals typically start around a FICO score of 300, but Destiny prefers 550 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
Does the Destiny Mastercard have a welcome offer?
No. The Destiny Mastercard does not run a traditional signup bonus right now. The ongoing rewards rate is the main reason to apply, not a one-time promotion.
Does the Destiny Mastercard have a 0% intro APR offer?
No. The Destiny Mastercard does not currently offer a 0% intro APR period. The standard variable purchase APR is 35.9%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Destiny Mastercard?
$175 per year. To break even you need to earn enough rewards and credits to cover that fee. We walk through the math in the rewards detail section above.
Is the Destiny Mastercard worth it?
Fintiex rates the Destiny Mastercard 1.5 out of 5 for 2026. It is best for secured. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

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