Destiny™ Mastercard®
in Personal Credit Cards from First Electronic Bank
Not enough votes for recommendation
Would you recommend Destiny™ Mastercard® to your friends?
| 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.
- 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.
| The Good | The Bad |
|---|---|
|
|
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.| Description | |
|---|---|
| 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.
| 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?
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 can 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 you're denied click here to find out why your application may have been rejected and what you can do about it.
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 - (866) 322-8008
- Visit Site
About Destiny™ Mastercard®
Availability
- 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 |
Be the first to rate
Would you recommend Destiny™ Mastercard® to your friends?
Other Personal Credit Cards
- APG Federal Credit Union Visa Platinum Preferred Share Secured Card
- Aer Lingus Visa Signature® card
- Blue Nile Credit Card
- Discover it Balance Transfer
- IHG Rewards Club Premier Mastercard
- Jet Blue Business Card
- NTB Credit Card
- US Bank AeroMexico Visa Signature®
- US Bank FlexPerks® Gold American Express® Card
- USAA Preferred Cash Rewards Visa Signature® Credit Card
- Value City Furniture Credit Card
- Wells Fargo Cash Back College Visa Card
