Destiny® Mastercard® - Up to 3% Cashback Rewards Review

Destiny® Mastercard®: up to 3% cash back and a guaranteed $700 credit limit, if approved

Earn up to 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases, with a guaranteed $700 credit limit to help you build access to credit, if approved.

Up to 3% Cashback Rewards Guaranteed $700 limit No security deposit

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No security deposit required. Apply in minutes on the issuer's secure site.

The Destiny Mastercard at a glance

The Destiny® Mastercard® is an unsecured rewards card built for people with less-than-perfect credit. It earns up to 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, and mobile phone service purchases, comes with a guaranteed $700 credit limit if approved, and requires no security deposit. It is a real Mastercard with Zero Fraud Liability, accepted everywhere Mastercard is, and it reports to all three major credit bureaus so responsible use is recognized.

Key benefits

A rewards card for people with less-than-perfect credit.
Fuel your savings. Get up to 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases.
A guaranteed $700 credit limit to help you build access to credit, if approved.
With Cashback Rewards, you get to live like an A-lister.
Zero Fraud Liability. Peace of mind that comes with having a Mastercard.
Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
No security deposit required. Get started today.

How it works

Apply in minutes

Start your application on the issuer's secure site. It takes just a few minutes.

Get your decision

Applications are subject to issuer review, which may include obtaining your credit report.

Earn and build

If approved, earn 3% cash back on eligible purchases and build credit with on-time payments reported to all three bureaus.

Ready to earn cash back while you build credit?

Apply Online

Rates and fees

The Destiny Mastercard is built for rebuilding credit, so its pricing runs higher than a prime card. The exact annual fee and terms you are offered depend on your credit profile, and this offer may be unique to the link above. Always review the full terms on the issuer's secure site before you apply.

Cash back	Up to 3% on your first $5,000 in gas, grocery, restaurant, and mobile phone service purchases
Annual fee	$175 in the first year, then $49 (varies by offer)
Monthly fee	$0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
Purchase APR	Around 35.9% (see terms)
Credit limit	$700 guaranteed if approved
Security deposit	None (unsecured)

Who it is for

A good fit if you

Want cash back while building credit
Want an unsecured card with no deposit
Spend on gas, groceries, dining, or phone service
Value all-three-bureau reporting

Maybe not if you

Can qualify for a low-fee prime rewards card
Want rewards beyond the first $5,000 in spend
Prefer to avoid annual fees entirely
Will carry a balance at a high APR

Frequently asked questions

How does the 3% cash back work?

You earn up to 3% Cashback Rewards on your first $5,000 spent in gas, grocery, restaurant, and mobile phone service purchases each year, then a standard rate applies. Rewards post to your account per the cardholder agreement.

Does it require a security deposit?

No. The Destiny Mastercard is unsecured, so there is no refundable deposit like a secured card. If approved, you receive a guaranteed credit line set by the issuer, up to $700.

What credit do I need?

It is designed for people with fair credit. Applications are subject to issuer review, which may include obtaining your credit report, and approval is not guaranteed.

Does it report to the credit bureaus?

Yes, to all three major bureaus. Paying on time and keeping your balance low can help you build a positive payment history.

The Destiny® Mastercard® is issued by The Bank of Missouri (tbom) pursuant to a license from Mastercard and serviced by Concora Credit Inc. Up to 3% Cashback Rewards apply to your first $5,000 in eligible gas, grocery, restaurant, and mobile phone service purchases each year; a standard earn rate applies thereafter, per the cardholder agreement. 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. RateArk is an independent comparison service and may be compensated when you apply, which never changes your terms. This is an advertisement.