Destiny™ Mastercard®
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This unsecured card is designed for consumers trying to rebuild their credit, but you should consider the number of fees and negative reviews associated with the issuer. You’ll have access to a small credit line when using this card, and that’s about all it has to offer.
Highlights & Features
Balance Transfers
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
| Intro Balance Transfer APR | N/A |
| Regular Balance Transfer APR | N/A |
| Balance Transfer Fee | See Terms |
Fees
| Penalty APR | 29.90% (Fixed) |
| Late Fee | Up to $40 |
| Returned Payment Fee | Up to $40 |
| Additional Cards Annual Fee | N/A |
| Foreign Transaction Fee | 1% |
Cash Advances
Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
| Cash Advance APR | 29.90% |
| Cash Advance Fee | $0 during the first year; after the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100) |
Destiny™ Mastercard®
Highlights
- $0 Fraud Liability for unauthorized use offers you peace of mind
- Feel confident knowing pre-qualifying will not affect your credit score
- Pick the credit card design that speaks to you
- Access to an unsecured credit card – no security deposit required
- Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
- Pre-qualifying is quick and easy and will let you know if you are qualified without impacting your credit score
- Pre-qualify without impacting your credit score
- A card for your everyday needs
- Reports your payments to all three major credit bureaus
- Use your card in app, in store, and online – Nationwide wherever Mastercard is accepted
ABOUT THE ISSUER
First Electronic Bank
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Credit card issuer's websiteSpeak to Customer Service
1-844-222-5695
The Destiny Mastercard is an unsecured card that offers consumers with an imperfect credit history a way to rebuild and access a small line of credit.
You’ll get a credit limit of $300, but you won’t get any rewards, benefits, or perks.
Customer service for this card is reported to be very poor, and you’ll probably incur a number of fees from normal use. Examples include:
- $79 processing fee to open your account
- $7.25 monthly fee after the first year
- $25 additional / replacement card fee
- $55 reinstatement fee
The annual fee for this card is $59-$99.
