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)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
24.9%(Verified 10/08/2025)
Disclaimer popup with additional information
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
| 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.
| 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.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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.
Other Services by Concora Credit Inc
Other Credit Cards from Concora Credit Inc
Purchase APR
24.9%
Disclaimer popup with additional information
Balance Transfer APR
24.9%
Disclaimer popup with additional information
Credit Score Range
550 - 650
300
850
Annual Fee
$99 - $250
Disclaimer popup with additional information
Purchase APR
24.9%
Disclaimer popup with additional information
Balance Transfer APR
24.9%
Disclaimer popup with additional information
Credit Score Range
550 - 650
300
850
Annual Fee
$99 - $250
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -50, or 2 on a 5-point rating scale.
-50
-1000+100
No one recommends
Everyone recommends
Destiny™ Mastercard® Community Reviews
Would you recommend Destiny™ Mastercard® to your friends?
U
Anonymous
Feb 26, 2024
May or may not recommend
Because its good to me and my country to use
Gina M.
Nov 9, 2023
May or may not recommend
There are a lot of negative reviews about this card but i have had a great experience. While it does have a higher annual fee the pre-qualification process was easy and fast. I love the 1.5% cash back which i dont have with other cards. I also like that there is no security deposit required, so you can keep more money in your wallet.
Syed Muhammad S.
Nov 7, 2023
May or may not recommend
They need to improve their services. Somethings are fine with it, but overall need some improvements
WR
Walter R.
Feb 6, 2023
May or may not recommend
Have had persistant troubles with this card not working on site that do accept Mastercard. Card keeps being declined as a fradulent card even though I am using a card that was replacing one Destiny Mastercard I had before. To me, using this card anywhere is running the risk it will be declined for no reason. If you have one, get rid of it.!!!
SE
S E.
Jan 8, 2023
May or may not recommend
DO NOT, and I mean DO NOT try to get a credit card with this company!! TOTAL SCAM!! They’ll charge your “account “ upon approval and then never send you a card. You’re essentially paying for NOTHING!!! Look at their reviews. They will only damage your credit further trying to get out of their web!!!!!!
JC
John C.
Jan 2, 2023
May or may not recommend
I applied and got a $700 credit limit and upon activating card i was charged $175 for, "one time annual fee" and i had a $45 ncharge from who knows where but fraud nonetheless. Cancelled card and had new one sent and immediately upon activation was hit with more charges from google play. They hide the $175 in the small print and are likely selling card numbers. STRONGLY ADVISE do ...Show More
Sydney P.
Dec 16, 2022
May or may not recommend
I submitted many payments to this card and for some reason, it’s not being applied. They now have me 120 + days late.
U
Anonymous
Dec 2, 2022
May or may not recommend
First, their fees are ridiculous. Second, their Customer Service is TERRIBLE. My card had fraudulent activity on it and instead of helping me get the charges removed and my card put back in good standing I was told this was "my fault for not keeping better track of my card". I obviously got upset and when I requested a Supervisor, they told me that they closed my account and I ...Show More
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I previously used the Destiny Mastercard and I had no issues with it. Customer service was great and they took care of all the concerns I had,
FJ
Frances J.
Nov 19, 2022
May or may not recommend
Most ridiculous card in the Universe. With a $700.00 credit limit, they took $175.00 off the top for Annual fee, leaving only $525.00 to spend. After that, they will charge $49.00 per year plus $12.50 per month just to have the card. I received te card today, and was kind of excited until I called Customer Service and got the scoop. I asked them to close the account immediately, ...Show More
Richard Y.
Oct 24, 2022
May or may not recommend
This card tried to say they were going to charge me the yearly fee of 59 bucks even though I called and never activated the card told them to not open this account and I did not want it! I also stated I was going to my senator for unfair banking laws being broken against the disabled and elderly being targeted
TP
Tayonna P.
Sep 21, 2022
May or may not recommend
I previously used the Destiny Mastercard and I had no issues with it. Customer service was great and they took care of all the concerns I had,
UC
Unique C.
Aug 25, 2022
May or may not recommend
Rate is too high
Low credit line
There is no grace period for late payments before reported to the credit bureaus
DH
Denicki H.
Aug 18, 2022
May or may not recommend
I had their card because it was recommended at the start of the pandemic. They charge twice the amount when I got behind by a week, even after I spoke with a customer service rep about my paycheck being late. Awful experience, would not recommend
RF
Robyn F.
Jan 12, 2022
May or may not recommend
I would not recommend this card. The interest rates are really high, which would make it impossible to pay off.
Candice L.
Jan 10, 2022
May or may not recommend
I automatically did not like this website because immediately you have to put in all your information and you can't check out the website unless you do so. It told me I didn't qualify but it should tell me the reasons why I didn't qualify or maybe give me suggestions on how to improve my credit. It only gave me one card to view and the fees and APR were ...Show More
JO
Jomiloju O.
Jan 10, 2022
May or may not recommend
Why should I recommend a credit card like this? Is it the unfriendly charges I incur whenever I use the card outside the US? Or the fact that the card doesn’t offer any reward? Honestly, my experience with this card was extremely horrible. And I will advise you to stay away from the card.
Muhammad A.
Jan 4, 2022
May or may not recommend
Whenever you attempt to make a payment and something goes wrong, the card automatically deducts all of your available credit. Customer service is also terrible, and the fees are outrageous.
SB
Shelby B.
Nov 19, 2021
May or may not recommend
This card has too many cons compared to others. If you have low credit I recommend credit one and their APR rate is extremely low compared to 24%
MG
Moneena G.
Nov 16, 2021
May or may not recommend
I do not recommend this card because the annual fee is too high, ranging from $60 - $100. In addition to that, the APR is extremely high, so if there is one thing a person would want as a deciding factor when choosing a new credit card -- APR is the key. For this company, it is way too high. Shockingly, the credit score range is between 600 - 850; ...Show More
Showing 20 of 22 reviews
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