
Destiny™ Mastercard®
Would you recommend Destiny™ Mastercard® to your friends?
Community Rating | Strongly not recommended |
Purchase APR (Fixed APR) |
24.9% (Verified 01/04/2023) |
Balance Transfer APR (Fixed APR) |
N/A (Verified 01/04/2023) |
Credit Score Range | 300 - 850 |
Annual Fee | $75 - $99 |
Number of Reviews | 19 |
Destiny™ Mastercard® Review
This is a credit card issued by First Electronic Bank. If you're wondering whether Destiny card is the right card for you, read on.
Key Takeaways
- High APRs. This is not a great card for people who carry a balance. It has a fixed purchase APR of 24.9%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of Destiny card
The Good | The Bad |
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Destiny card FAQ
Does Destiny card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Destiny card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Destiny card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.Destiny™ Mastercard® has a fixed purchase APR of 24.9%. It also has a fixed cash advance APR of 29.9% . Note that late payments are subject to an APR of 29.9% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Destiny card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Destiny card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Destiny card?
The following fees apply:
- An overlimit fee of $40.
Fees | Amount |
---|---|
Annual Fee | Starting at $75 up to $99 |
Overlimit Fee | $40 |
Foreign Transaction Fee | 1% |
Returned Payment Fee | up to $40 |
Late Payment Fee | up to $40 |
Does Destiny card have a foreign transaction fee?
Destiny card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Destiny card?
The Destiny card customer service number is (866) 322-8008.
What is the support contact email for Destiny card?
The support contact email for Destiny card is information@firstelectronic.com.
What is the Destiny card login page?
You can access the Destiny card login page here.
How do people rate the customer service and user experience of Destiny card?
Overall, Destiny card is strongly not recommended based on community reviews that rate customer service and user experience.
Does Destiny™ Mastercard® report your account activity to credit bureaus?
Yes, Destiny™ Mastercard® reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Destiny card
- Visit the Destiny card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
2150 S 1300 E Suite 400
Salt Lake City, UT 84106 USA - (866) 322-8008
- Visit Site
- Email Support
About Destiny™ Mastercard®
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Cash Advance Fee Minimum | $5 |
Cash Advance Fee (%) | Starting at 5% |
Minimum Cash Advance Fee ($) | $5 - $100 |
Foreign Currency Transaction Fee | 1% |
Annual Fee | $75 - $99 |
Minimum Interest Charge | $0.50 |
Over-Limit Fee | $40 |
No Interest Grace Period for Late Payment | 25 days |
Returned Payment Fee | Up to $40 |
Late Fee Amount | Up to $40 |
Destiny™ Mastercard® Community Reviews
Would you recommend Destiny™ Mastercard® to your friends?
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