The Destiny Mastercard is designed to be a welcoming second chance for U.S. residents who are ready to take control of their credit journey. As a true unsecured credit card, it removes the common barrier of a security deposit, offering you a real Mastercard to help you get back on track.
This card is more than just a way to pay; it’s a tool for empowerment. It’s your chance to start writing a new, positive chapter in your credit story. Every on-time payment you make is a step in the right direction, a positive action that gets reported to all three major credit bureaus. If you’re looking for a fresh start and a clear path forward, the Destiny Mastercard is here to help you achieve your goals.
Benefits Designed to Empower You
- An Opportunity for a Fresh Start: The card is built for individuals with less-than-perfect credit. Even if you have a prior bankruptcy or a low credit score on your report, your application will be given full consideration.
- No Security Deposit Required: This is a key benefit. You can get access to a revolving line of credit without needing to provide hundreds of dollars for a security deposit, keeping your cash free for other important things.
- Build a Positive Credit History: This is the most powerful benefit of all. Your payments are reported to the three major credit bureaus: Experian®, Equifax®, and TransUnion®. This is how you show lenders your reliability and build a stronger credit score over time.
- A Fast and Encouraging First Step (Prequalification): You can see if you’re likely to be approved online in about 60 seconds. This initial step is a soft inquiry, which means it will not affect your credit score. It’s a completely risk-free way to see what opportunities are available to you.
- Potential for Cash Back Rewards: You can feel rewarded for your responsible spending. One version of the Destiny Mastercard® offers an unlimited 1.5% cash back on all eligible purchases, which is a fantastic perk for a credit-building card.
- A Real Mastercard for Everyday Use: Enjoy the convenience and security of a genuine Mastercard, accepted at millions of locations across the country and online for your everyday needs.
- Protection and Peace of Mind: Your account is protected by Mastercard’s $0 Fraud Liability policy, so you can feel secure when you make purchases.
Who Can Seize This Opportunity?
The Destiny Mastercard is a great fit for U.S. residents who:
- Are at least 18 years of age and have a valid Social Security Number.
- Have a U.S. physical address and an active checking account.
- Have a limited, poor, or fair credit history and have found it difficult to get approved for other cards.
- Are disciplined and ready to commit to making on-time payments to rebuild their credit.
- Are looking for an unsecured card and may not have the available funds for a security deposit.
How to Apply for Your Fresh Start
Getting started on your new path is a simple and straightforward process.
- Check Your Prequalification Offer: The best place to begin is on the official Destiny Mastercard website. The quick pre-qualification form will let you know if you have an offer waiting for you, without any risk to your credit score.
- Review Your Personalized Offer: If you prequalify, you’ll be shown the specific details of the card you’re eligible for, including the exact credit limit and any fees. This transparency helps you make a confident decision.
- Complete Your Application: If you decide the offer is right for you, you can move forward with the full application by providing some additional details.
- Receive Your Card: If approved, your new card will be mailed to you. You can start your comeback journey as soon as you activate it!
Your Questions on the Path Forward
- I’ve been denied for other cards. Do I have a real chance of getting approved?
Yes. The Destiny Mastercard is specifically designed for individuals in your situation. While approval is never guaranteed, its eligibility criteria are much more accommodating for those with past credit challenges than traditional credit cards. - What is the most important thing I can do to succeed with this card?
The most important action is to pay your bill on time, every single month. Your payment history is the biggest part of your credit score. The second most important action is to pay the balance in full whenever possible to avoid the card’s high interest rate. - How quickly can I expect to see my credit score improve?
Building credit is a steady process. You may begin to see positive changes in your score after just a few months of on-time payments being reported. The key is consistency. Over the course of 6 to 12 months of perfect payments, you can make significant progress. - Is it better to get a secured card instead?
A secured card is a great tool, but it requires a cash deposit that not everyone has. The Destiny Mastercard provides an alternative path for those who need an unsecured line of credit to get started. The best card is the one that gives you the opportunity to start building positive history right now.
