Destiny Mastercard Credit Card Review

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The Destiny Mastercard Credit Card is an unsecured credit card for those with bad to fair credit. It offers prequalification in under 60 seconds, and it reports your transaction history to all three major credit bureaus. There is a $59-$99 annual fee and a 24.90% (fixed) APR. Mastercard benefits, including identity theft protection and zero liability protection, are available to cardholders.

Best Features

Credit requirement: You won’t need a high credit score for the Destiny Mastercard Credit Card. Those with bad to fair credit and even prior bankruptcies may qualify.

Quick prequalification: The Destiny Mastercard Credit Card offers quick prequalification, so you could know if you’re eligible for a new card in less than a minute.

Drawbacks

No rewards program or introductory bonus: You won’t have access to a rewards program or introductory bonus with the Destiny Mastercard Credit Card.

Card fees: This card charges a $59-$99 annual fee.

High interest rate: Cardholders are subjected to a 24.90% (fixed) APR. This is higher than the APR of the average credit card in the U.S. News database.

Destiny Mastercard Credit Card Benefits

Destiny Mastercard Credit Card benefits include:

  • Mastercard identity theft protection
  • Zero liability protection

Comparison to Other Secured Cards

Annual fee: Destiny Mastercard Credit Card holders must pay a $59-$99 annual fee. The Credit One Bank Unsecured Visa with Cash Back Rewards card charges a $49 annual fee.

Rewards: The Destiny Mastercard Credit Card doesn’t have a rewards program. Credit One Bank Unsecured Visa with Cash Back Rewards cardholders earn 1% cash back on eligible purchases.

Sign-up bonus: Neither card includes an introductory bonus for new cardholders.

Benefits: Destiny Mastercard Credit Card offers protection benefits, including Mastercard identity theft protection and zero liability protection. Benefits including free FICO credit score access and zero dollar fraud liability are available to Credit One Bank Unsecured Visa with Cash Back Rewards cardholders.

Annual fee: The Destiny Mastercard Credit Card charges a $59-$99 annual fee. A $0 to $99 annual fee is required for First Progress Platinum Prestige Mastercard Secured Credit Card holders.

Rewards: These cards don’t offer rewards programs.

Sign-up bonus: You won’t have the opportunity to earn an introductory bonus with either card.

Benefits: Benefits available to Destiny Mastercard Credit Card holders include Mastercard identity theft protection and zero liability protection. First Progress Platinum Prestige Mastercard Secured Credit Card benefits include purchase protection, extended warranty coverage and a rental car collision damage waiver.



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