For those navigating life with past financial setbacks, finding a second chance to rebuild credit can be challenging. The Destiny Mastercard offers just that—a clear, responsible path to reestablish your financial standing without requiring perfection.
This card removes unnecessary barriers and gives consumers the tools to demonstrate creditworthiness again. It’s not about where you’ve been—it’s about where you’re headed. With Destiny, your credit comeback starts here.
Destiny Mastercard – Benefits That Make a Difference
- No Security Deposit Required: Unlike many credit-building cards, the Destiny Mastercard doesn’t require upfront cash as a security deposit. This means more people can access credit without tying up savings.
- Fast Pre-Qualification with No Credit Score Impact: Check if you’re eligible without affecting your credit. The quick pre-qualification process makes it easy to explore your options risk-free.
- Reports to All Three Major Bureaus: Every payment is reported to Equifax, Experian, and TransUnion. Consistent reporting can help you build a stronger credit history with responsible use.
- Fraud Protection from Mastercard: Enjoy built-in protection against unauthorized charges. With zero liability for fraud, your account stays secure no matter where you shop.
- Widely Accepted Across the U.S.: The Destiny Mastercard is accepted anywhere Mastercard is, giving you purchasing power whether you’re buying online, in stores, or booking services.
- Mobile-Friendly Account Management: Stay in control of your account with online and mobile access. View statements, make payments, and track your spending with ease.
- Real-Time Alerts and Notifications: Stay updated with transaction alerts and due date reminders. These tools help promote smart money management habits.
- Built for Second Chances: Past credit issues won’t prevent you from being considered. Destiny was created with real people and real setbacks in mind.
- Fixed APR for Better Budgeting: The card offers a consistent APR, making it easier to plan your monthly payments and manage balances over time.
Qualification Requirements
- U.S. Residency Required: Applicants must reside in the United States and provide a valid U.S. address for verification purposes.
- Must Be 18 or Older: To apply for the Destiny Mastercard, you need to be at least 18 years old, or 19 in states with higher age requirements.
- Valid Social Security Number: A valid Social Security number is required to complete the pre-qualification and application process.
- No Active Bankruptcies: Applicants with open or active bankruptcies are not eligible. Your financial situation must be stable at the time of applying.
- Acceptable Identification: You’ll need to provide verifiable identification information as part of the application, ensuring compliance with legal requirements.
- Ability to Pay: You must demonstrate the ability to meet monthly payment obligations. Income verification may be required.
How to Apply for the Destiny Mastercard
- Start with Pre-Qualification Online: Begin by visiting the DestinyCard.com website and using the secure pre-qualification tool—it won’t affect your credit score.
- Submit Your Personal Information: Provide your name, address, date of birth, and Social Security number to confirm your identity and assess eligibility.
- Receive Your Pre-Qualification Results: You’ll get an instant response indicating whether you’re likely to be approved—without triggering a hard credit pull.
- Review the Offer Carefully: If pre-qualified, review the terms of your offer, including APR and credit limit. Make sure the card fits your financial needs.
- Accept the Card Offer: Agree to the card’s terms and submit your official application. A hard inquiry may occur at this stage to finalize approval.
- Activate and Use Responsibly: Once approved, activate your card and begin using it to make purchases while building credit through on-time payments.
Frequently Asked Questions
Does applying for pre-qualification affect my credit score?
No. The pre-qualification process uses a soft inquiry and will not impact your credit score.
Do I need to provide a deposit to open the card?
No deposit is required to open a Destiny Mastercard. It’s an unsecured card, making it more accessible than secured options.
Can I use the card nationwide?
Yes, the Destiny Mastercard is accepted anywhere Mastercard is—both online and in physical stores across the U.S.
Does this card help build credit?
Yes. Responsible use and on-time payments are reported to the three major credit bureaus, helping you build credit over time.
