Destiny Mastercard review: a $1,000 credit limit, guaranteed if you are approved

An unsecured Mastercard for anyone building or rebuilding credit. There is no deposit to find, and approval brings a $1,000 limit from the first statement.

A guaranteed $1,000 credit limit, if approved
Works at 40 million locations, online and in store
Nothing to put down as a deposit
Your payments go to all three credit bureaus

Apply NowApply securely with the issuer in a few minutes.

With most starter cards, you only learn your limit once the card arrives. The Destiny Mastercard $1,000 offer tells you before you apply: if the issuer says yes, your line is $1,000, and there is no deposit to set aside. That certainty is what makes it stand out. The cost sits on the other side of the ledger, and this review lays both out so you can weigh them side by side.

Our view

This is first and foremost a card for building credit. It gives a person with a short or damaged credit history a working Mastercard, backed by Zero Fraud Liability, and each month all three major credit bureaus receive your account history. The issuer counts more than a million consumers who have leaned on the Destiny Mastercard while building their access to credit. The detail that sets this offer apart is the limit, which is a set $1,000 for approved applicants rather than a small starting line.

The price is the part to read slowly. Year one costs $250 in annual fee, and later years cost $99. Monthly fees start in year two: a further $231 a year, charged at $19.25 a month. Purchases are charged about 35.9% APR. Our advice is simple: buy small things, clear each statement in full, and treat the card as a bridge to better credit, not as somewhere to carry a balance. The terms on this page may be unique to its link; other offers for the same card may come with different ones.

How applying works

Open the issuer's application The Apply Now button leads to the issuer's secure site. You fill in your identity and income details there, which only takes a short while.
Wait for the decision The issuer reviews each application and may obtain your credit report while it does. Some applicants will be turned down.
Spend a little, repay in full Approved applicants get a $1,000 limit with no deposit tied up. Keep the balance small and pay before each due date, and every month of that habit lands with all three bureaus.

The fees and the rate

Credit line	$1,000 when the issuer approves you
Annual fee	$250 for year one, then $99 yearly
Monthly fee	Nothing in year one. From year two: $231 a year, charged as $19.25 a month
Purchase APR	About 35.9% (check the terms)
Deposit	None; the card is unsecured

The issuer sets this pricing, and it can change from offer to offer. What you are charged depends on your own application, and the terms behind this page's link can differ from other offers on the same card, so read every term on the issuer's site before applying.

A good match, or not

A good fit if you

Knowing your credit limit before you apply matters to you
You prefer to keep your cash free instead of locking it in a deposit
You want every on-time payment on record with all three bureaus
You plan to pay in full and accept the fees as the cost of a $1,000 line

Maybe not if you

A cheaper card from a big bank is already open to you
You are hoping to earn cash back or points
You would rather not pay an annual fee of any size
You often carry a balance from month to month

Apply on the Issuer's Site

A short, secure form on the issuer's own site.

Destiny $1,000, answered

01Is the $1,000 limit certain?

It is certain once you are approved: approved applicants get a $1,000 credit limit. Approval is still the issuer's call, and the issuer reviews every application, which may include pulling your credit report.

02Will I need a security deposit?

No. Because the card is unsecured, none of your own money is held.

03What will the card cost me?

The first year's annual fee is $250, dropping to $99 in later years. Starting in year two, an extra $231 a year shows up as $19.25 monthly charges. Expect an APR of about 35.9% on purchases. Read every term on the issuer's site first.

04Can this card help my credit?

It can. Your payment record goes to all three major credit bureaus each month, so paying on time with a modest balance works in your favor. Late payments are reported as well.

A known limit for a fresh start

Approved applicants get a $1,000 credit limit with nothing to deposit, and each payment reaches all three bureaus. The issuer's secure form is short, so you can finish before the coffee cools.

Start My Application
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The Destiny Mastercard is issued by The Bank of Missouri (tbom) pursuant to a license from Mastercard and serviced by Concora Credit Inc. Applications are subject to issuer review (which may include obtaining your credit report) and approval; to be approved you must meet the issuer's requirements for creditworthiness, ability to pay, and identity verification. This offer may be unique and can only be guaranteed when using the link provided; other offers for this card may feature different terms and conditions. Annual fees, APRs, and credit limits vary by applicant.

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