Last Updated: 10/08/2025
SuperMoney User Recommendation Score -50
Mostly not recommended22 total votes
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Highlights
Community Rating
Mostly not recommended
Purchase APR (Fixed APR)
24.9%(Verified 10/08/2025)
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Balance Transfer APR (Fixed APR)
24.9%(Verified 10/08/2025)
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Credit Score Range
300 - 850
Annual Fee
$49 - $175
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Number of Reviews
Destiny™ Mastercard® Review
This is a card issued by The Destiny Mastercard is issued by First Electronic Bank, Member FDIC, and serviced by Concora Credit Inc. If you're wondering whether Destiny™ Mastercard® is the right card for you, read on.
Key Takeaways
- Instant Credit: You can add the card to your mobile wallet instantly if approved.
- APR: 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 up to 1% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Destiny card
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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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Destiny™ Mastercard® has a fixed purchase APR of 24.9%. The card has a fixed balance transfer APR of 24.9% . It also has a fixed cash advance APR of 35.9% .
Note that late payments are subject to an APR of 35.9% 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $49 - $175 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $5 - $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $49 up to $175.
Does Destiny card have a foreign transaction fee?
Destiny card charges a foreign transaction fee of up to 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 customer service number for Destiny card is .
What is the login page for Destiny card?
You can access the login page of Destiny card here.
How do people rate the customer service and user experience of Destiny card?
Overall, Destiny card is mostly 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 to the following credit bureaus:
- 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 build your credit.
Does Concora Credit Inc perform a hard credit pull?
Yes, Destiny card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Destiny card
- Visit the website of Destiny card.
- 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.
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