
First Electric Bank Destiny™ Mastercard®
in Personal Credit Cards from First Electronic Bank
UnaffiliatedFirst Electric Bank Destiny™ Mastercard®
in Personal Credit Cards from First Electronic Bank
Would you recommend First Electric Bank Destiny™ Mastercard® to your friends?
Community Rating |
Rating not yet determined |
Purchase APR (Fixed APR) | 24.9% |
Balance Transfer APR (Fixed APR) | N/A |
Credit Score Range | 500 - 850 |
Annual Fee | $59 |
First Electric Bank Destiny™ Mastercard® Review
First Electric Bank Destiny™ Mastercard® is a credit card issued by First Electronic Bank. If you're wondering whether First Electric Bank Destiny™ Mastercard® is the right card for you, read on. This is everything you need to know to make a good choice.
- 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 good approval odds.
The Good | The Bad |
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Is there a First Electric Bank Destiny™ Mastercard® cash back or rewards program?
No, First Electric Bank Destiny™ Mastercard® does not offer a rewards program.
What are the First Electric Bank Destiny™ Mastercard® benefits?
First Electric Bank Destiny™ Mastercard® provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for First Electric Bank 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. First Electric Bank Destiny™ Mastercard® has higher than average purchase APRs.First Electric Bank 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 First Electric Bank Destiny™ Mastercard® have an introductory APR offer on balance transfers?
No, First Electric Bank Destiny™ Mastercard® does not come with an introductory APR offer for balance transfers.Does First Electric Bank Destiny™ Mastercard® have an introductory APR offer on new purchases?
First Electric Bank Destiny™ Mastercard® does not offer an introductory rate on new purchases.Description |
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What are the fees for First Electric Bank Destiny™ Mastercard®?
The following fees apply to First Electric Bank Destiny™ Mastercard®:
- An overlimit fee of $40.
Fees | Amount |
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Annual Fee | $59 |
Overlimit Fee | $40 |
Foreign Transaction Fee | 1% |
Returned Payment Fee | up to $40 |
Late Payment Fee | up to $40 |
Does First Electric Bank Destiny™ Mastercard® have a foreign transaction fee?
First Electric Bank 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 First Electric Bank Destiny™ Mastercard® report your account activity to credit bureaus?
Yes, First Electric Bank 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 First Electric Bank Destiny™ Mastercard®
- Visit the First Electric Bank 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.
Contact
- Headquarters
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2150 S 1300 E Suite 400
Salt Lake City, UT 84106 - (866) 322-8008
- Visit Site
Other Services by First Electronic Bank
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- 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 | $59 |
Minimum Interest Charge | $0.50 |
Over-Limit Fee | $40 |
Returned Payment Fee | Up to $40 |
Late Fee Amount | Up to $40 |
First Electric Bank Destiny™ Mastercard® Community Reviews
Would you recommend First Electric Bank Destiny™ Mastercard® to your friends?
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