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Destiny Mastercard® review: A simple credit-building card saddled with too many fees for comfort

 /  10 min
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Snapshot

2.1

Bankrate rating
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Rating: 2.1 stars out of 5

Bottom line

The Destiny Mastercard® - $700 Credit Limit isn’t your best option if you are trying to build credit. Other credit-building cards have fewer fees and lower APRs.

Destiny Mastercard® - $700 Credit Limit

Destiny Mastercard® - $700 Credit Limit

Recommended credit score:(300 - 670)

Intro offer

N/A

Rewards Rate

N/A

Annual fee

See terms*

Regular APR

See terms*

4.3

Cardholder rating

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4.3 / 5

Extra perks

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3.8 / 5

Online tools

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4.1 / 5

Customer service

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4.4 / 5

Information safe

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3.9 / 5

2.1

Bankrate score

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2.1 / 5
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Destiny Mastercard Overview

  • Credit Card Cash Back Icon

    Rewards

  • Credit Card Search Icon

    Rates and fees

  • Credit Fair Icon

    Credit-building features

  • Congrats Icon

    Other cardholder perks

Destiny Mastercard pros and cons

Pros

  • Checkmark Icon

    Instant approval allows you to add the Destiny card to your digital wallet as soon as you’re approved.

  • Checkmark Icon

    This card reports to all three major credit bureaus, ensuring your credit-building efforts.

  • Checkmark Icon

    You don't need to put down a security deposit.

Cons

  • Numerous high card fees will cut into your starting credit limit and make it harder to build credit.

  • Very high APR means carrying a balance on this card can quickly rack up interest.

  • This card's relatively low credit limit can make maintaining a healthy credit utilization ratio difficult.

Why you might want the Destiny Mastercard

Why you might want a different credit-building card

How the Destiny Mastercard compares to other credit-building cards

Image of Destiny Mastercard® - $700 Credit Limit

Destiny Mastercard® - $700 Credit Limit

Annual fee

See terms*

Intro offer

N/A

Rewards rate

N/A

Recommended Credit Score

Bad to Fair (300 – 670)
Info Icon
Image of Discover it® Secured Credit Card

Annual fee

$0

Intro offer

Cashback Match™
Info Icon

Rewards rate

1% - 2%
Info Icon

Recommended Credit Score

No Credit History
Info Icon
Image of Capital One Platinum Secured Credit Card

Annual fee

$0

Intro offer

N/A

Rewards rate

N/A

Recommended Credit Score

No Credit History
Info Icon

Who is the Destiny Mastercard right for?

Bankrate’s Take — Is the Destiny Mastercard worth it?

How we rated this card

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50+
cards rated
Search Icon
500+
data points analyzed
Debt Icon
250+
fees tracked
Credit Card Reviews Icon
40+
perks evaluated

Frequently asked questions

What cardholders think

Image of Destiny Mastercard® - $700 Credit Limit

Destiny Mastercard® - $700 Credit Limit

4.3 Star Icon
48 ratings
Info Icon
Score breakdown
5 stars
58%
4 stars
17%
3 stars
23%
2 stars
0%
1 star
2%
Score by category
Overall 4.3 / 5
Extra perks 3.6 / 5
Privacy and security 3.9 / 5
Customer service 4.2 / 5
Online portal or mobile app 3.8 / 5

In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.

Community Reviews

Explore Destiny Mastercard® - $700 Credit Limit reviews from certified cardholders.
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Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
I don't use cards with annual fees.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I actually just started using it myself
Score by category
Extra perks 4 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
I would not think it was worth it. I have a very low credit limit and the annual fee would basically be lowering my credit limit even more. Another reason I would not be willing to pay an annual fee to keep the card is that my minimum monthly payments are a lot higher than my other cards.
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend Destiny card because they give more money on your card the very first time the card arrived. They had great customer service. They solved my problem on the first call I made to them..
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
Actually it's too much
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
ITS VERY EASY TO USE
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
The high interest rate and annual fee would probably prevent me from recommending it unless like me, they need to rebuild their credit.
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Good reviews and feedback online about its benefits. It has a high satisfaction rate among its customers.
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
It has great rewards
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would totally recommend this card to a friend. I have it and I absolutely love it. It’s easy to make payments, it’s convenient, it’s just over all great quality
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, when I have cash available.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I did some reach on a good first time credit card and this one came highly recommended.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
It has helped me build my credit up. I love the overdraft protection.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
It’s a good credit card for people who wanted to build credit.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Great service
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No because right now I am paying it off
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I haven’t had experience with this card.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I use it for just about anything. At school and work.
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I would say so . I use it for a lot of things . It’s easy to use . Great interest . Great mobile app where you can practically do anything on it
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No, low limit
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
this master card is really good and work well. I am vey satisfied using this master card.
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, I use it for everyday purchases like gas and groceries
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
i only use it sometimes
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
My destiny card was one of the first ones I actually applied for , it was my dads choice on where to go first . But overall I believe I made the right decision
Score by category
Extra perks 5 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
They give me good customer service
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I got an offer sent to me from Destiny. I researched it and decided to give it a try and I was very pleased that I did.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Trying to build credit.
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Wouldn’t recommend due to fees
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
No annual fee My sister recommended it being that we both work for the city of NY
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I used it when I needed money but then I cancelled due to memberhsip fee and higher interest so I closed this account and in 2 months I'll pay it off
Score by category
Extra perks 2 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
They worked with me
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Called one time had a billing question the person I talked to was nice went out of there way to help me and suggestion something that has really helped in the future I would recommend this card to anyone
Score by category
Extra perks 5 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
This card was for rebuilding my credit
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Have not earned many benefits
Score by category
Extra perks 1 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Same, it works with apps and is widely accepted,
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I was looking for a card to build my credit score
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No, I don't have much money on it. Plus I'm behind on my payment.
Score by category
Privacy and security 2 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I have not yet used the card.
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It is not an everyday card because the cash back is not the best.
Score by category
Extra perks 1 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Interest rates
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Low intro linit
Score by category
Extra perks 2 / 5
Online portal or mobile app 2 / 5
Customer service 3 / 5
Privacy and security 1 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Yes, it’s easy to apply and has been proven to have a great impact on your credit score to repair and maintain a positive score. It also lets you use the card in our mobile wallet until the physical card comes.
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
NA
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It is only for emergencies to use
Score by category
Extra perks 3 / 5
Online portal or mobile app 2 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
a good company
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I don't use my credit cards currently. My financial situation is such that all accounts are at or over the limit.
Score by category
Extra perks 3 / 5
Customer service 5 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No, I don’t use it
Score by category
Written by
Steve Dashiell
Editor, Credit cards
Steven Dashiell is an editor for Bankrate and CreditCards.com with expertise in rewards credit cards, financial literacy, and helping consumers build and maintain their credit.
Edited by Senior editor, credit cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.