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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.

Our rating
Min. credit level: Bad
Annual Fee: $59-$99
Regular APR: 24.9% Variable

Destiny™ Mastercard®

Our rating
Bad Min. credit level
$59-$99 Annual Fee
Apply Now

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
How to Transfer a Balance on a Credit Card


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%
Learn About Types of Credit Card Fees

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)
How to Get a Cash Advance with a Credit Card
Destiny™ Mastercard®


  • $0 Fraud Liability for unauthorized use offers you peace of mind
  • 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
  • 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

First Electronic Bank

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service


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.

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