The regular APR is typical of a subprime card and we advise those who have this card to pay your bills in full every month rather than carry a balance. Our editorial and consumer star ratings are based on independent reviews and not influenced by compensation and affiliate relationships. Credit One offers a cash back program. That means the card enjoys the worldwide acceptance of the Mastercard payment network – accepted in 212 countries worldwide. It offers prequalification in under 60 seconds, and it reports your transaction history to all three major credit bureaus. The next category of subprime credit cards are similar to Digital Mastercard in that they charge a decent annual fee. Furthermore, the pre-approval process does not involve a hard pull (only a soft pull) so you have no hard pull risk unless you decided to proceed with the actual application once you get pre-approved. Destiny, on the other hand, has a very reasonable foreign transaction fee of 1%, making it the ideal tool for purchases – both at home and abroad. Further, BestCards.com lists credit card offers that are updated regularly with information believed to be accurate to the best of our knowledge. It’s important to note, however, that your initial credit line will not be $300, as the annual fee must be automatically paid when the card is issued. If you pay your bills on time and keep your credit use (also known as credit utilization) low, you’ll watch your credit score rise in no time. You can click on the apply button on this page and take it from there. The Destiny Mastercard is targeted at those of you with less than perfect credit. Get this card if you want an unsecured card for building credit. Here are it's main highlights: Destiny is issued by First Electronic Bank, Member FDIC, which is based in Salt Lake City, UT. Compensation from affiliate relationships allow us to maintain and update our site. When approved for the Destiny Mastercard, you’ll receive an instant credit line of $300. This charge is made even better by the fact that the Destiny Card has no application fees, no monthly maintenance fees, and no initial setup fees. That means that as long as you pay your bills on time and keep your utilization rate low, you will see improvements in your credit score over time. However, some of their peers like credit cards from Credit One and Continental Finance offer free credit scores. Destiny Mastercard review Build credit and get a $300 credit line, but you’ll pay a fee. Like other subprime, unsecured credit cards, the Destiny Mastercard features an annual fee. Not only is the Destiny Mastercard able to hold its own in an already busy marketplace, but the card outperforms many challengers with a lower APR and modest annual fee. Here are some things to think about: • Higher than average APR, starting at 24.9% • … The Destiny Mastercard features fixed purchase APR. You may experience a hold of up to 14 days if Destiny needs to verify your funds. While many credit card issuers have either stopped accepting applications or scaled back approval due to the Covid-19 pandenic, Genesis Financial Services has launched a new card called The Destiny Mastercard. The Destiny Mastercard is an unsecured credit card for those with bad to fair credit. Since Destiny is a full Mastercard product, you’ll also enjoy a suite of Mastercard purchase protections and security features. Prequalify for a card today and it will not impact your credit score, Reports to all three major credit bureaus, 24/7 access to your account information, even on mobile. The Company name to use is Genesis FS Card Services and the Receive Code is 4911. In Destiny Mastercard Reviews below, we have mentioned some points that will give you more clarity. Genesis FS Card Services, Inc. is the servicer of this program. No, you have to apply online. It lacks other features like mobile app, free credit score, rewards that are increasingly common in other cards. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Because it is not variable with the Prime Rate, applicants don’t have to worry about the interest rate going higher than it already is. Mobile App - Customers increasingly expect their credit card issuers to have an app. While Destiny can’t force you to spend responsibly, it provides you with the right tools for the job of boosting your credit score. Drawbacks of the Destiny Mastercard The drawbacks of the Destiny Mastercard don't outweigh the benefits, but it's still important to consider these as you make a decision on whether to apply. Some unsecured credit cards for bad credit – especially catalog cards for use with online shopping portals – have steep annual fees of over $100 per year. They do not charge any monthly maintenance fees or one-time application fee. If you do not receive your card within 21 days after being approved, please contact our Lost/Stolen Department immediately at 1-888-260-4532. Accepted nationwide, wherever Mastercard is accepted, An opportunity to build and access credit, Have a troubled credit history, including a past bankruptcy, Want a Mastercard but don’t want to pay a security deposit, Want a credit card with the versatility to make foreign purchases, Plan to pay their statement in full every month.