Destiny™ Mastercard®

Destiny™ Mastercard®

in Personal Credit Cards from First Electronic Bank


Destiny™ Mastercard®


in Personal Credit Cards from First Electronic Bank

Net Recommendation Score +100%



Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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Purchase APR  (Variable APR) 24.9%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 500 - 850
Annual Fee $75 - $99

Destiny™ Mastercard® Review

Destiny™ Mastercard® is a credit card issued by First Electronic Bank. If you're wondering whether Destiny™ Mastercard® is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable 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 qualify.
Destiny™ Mastercard® Pros & Cons
The Good The Bad
  • Considers applicants with fair or poor credit.
  • Destiny™ Mastercard® reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of up to $75.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Destiny™ Mastercard® FAQ

Is there a Destiny™ Mastercard® cash back or rewards program?

No, Destiny™ Mastercard® does not offer a rewards program.

What are the Destiny™ Mastercard® benefits?

Destiny™ Mastercard® provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Destiny™ Mastercard®?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Destiny™ Mastercard® has higher than average purchase APRs.

Destiny™ Mastercard® has a variable purchase APR of 24.9%. It also has a variable 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™ Mastercard® have an introductory APR offer on balance transfers?

No, Destiny™ Mastercard® does not come with an introductory APR offer for balance transfers.

Does Destiny™ Mastercard® have an introductory APR offer on new purchases?

Destiny™ Mastercard® does not offer an introductory rate on new purchases.
Destiny™ Mastercard® Purchase Intro Offer
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Destiny™ Mastercard®?

The following fees apply to Destiny™ Mastercard®:

  • An overlimit fee of $40.
Destiny™ Mastercard® Fees
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™ Mastercard® have a foreign transaction fee?

Destiny™ Mastercard® 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 a foreign transaction fee.

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™ Mastercard®

  • Visit the Destiny™ Mastercard® 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.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:00pm
  • Tuesday 8:30am - 5:00pm
  • Wednesday 8:30am - 5:00pm
  • Thursday 8:30am - 5:00pm
  • Friday 8:30am - 5:00pm
  • Saturday Closed

About Destiny™ Mastercard®


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Minimum Cash Advance Fee ($) $5 - $100
Foreign Currency Transaction Fee 1%
Annual Fee $75 - $99
Minimum Interest Charge $0.50
Over-Limit Fee $40
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 29.9%
Balance Computation average daily balance (including new purchases)
Credit Limit $300
Penalty APR (Variable APR) 29.9%
Purchase APR (Variable APR) 24.9%
Card Type Bad Credit
Card Network Mastercard

Destiny™ Mastercard® Community Reviews


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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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