2025 Destiny Credit Card Review: High Fees, Few Benefits

If you’re struggling to build or rebuild your credit, the Destiny® Mastercard® might have caught your eye. It’s marketed as a credit-building solution for those with less-than-perfect credit, but is it actually worth applying for?

In this 2025 Destiny Credit Card Review, we’ll break down everything you need to know about the Destiny card, including fees, features, pros and cons, and who it’s best for. By the end, you’ll know whether this card deserves a spot in your wallet or if you should keep looking.

What Is the Destiny Credit Card?

The Destiny Mastercard is an unsecured credit card designed for people with poor, limited, or no credit history. Unlike secured cards, it doesn’t require a security deposit, making it an accessible option for many consumers.

Issued by First Electronic Bank and serviced by Concora Credit Inc., the Destiny card reports to all three major credit bureaus (Experian, Equifax, and TransUnion), which is essential for building credit over time.

But while it offers convenience and accessibility, it also comes with a few costs that are worth understanding upfront.

Key Features of the Destiny® Mastercard®

• No security deposit required
• Reports monthly to all 3 credit bureaus
• Pre-qualification with no impact on your credit score
• Accepted wherever Mastercard is accepted
• Fraud liability protection

Destiny Credit Card Fees (2025)

Here’s a breakdown of the common fees associated with the Destiny card:

Note: Exact fees depend on your credit profile and are disclosed during the pre-qualification process.

Pros and Cons of the Destiny Credit Card

Who Is the Destiny Credit Card Best For?

The Destiny Credit Card is best suited for:

• People with poor or limited credit history
• Those who don’t want or can’t afford a secured card deposit
• Consumers focused solely on credit-building, not rewards
• Anyone who wants a Mastercard accepted almost everywhere

If you’re trying to rebuild your credit but can’t (or prefer not to) lock away cash for a secured card, Destiny may be a decent option, if you can handle the fees.

How to Apply for the Destiny Credit Card

You can start with a pre-qualification form on the Destiny Mastercard website. This soft check won’t impact your credit score and will let you know if you’re likely to be approved before you formally apply.

If you’re pre-approved, you’ll receive a firm offer with specific terms (including your exact annual fee and potential monthly maintenance fees).

Alternatives to Consider

Before applying, it’s smart to compare the Destiny card with a few similar options:

1. Capital One Platinum Credit Card

• No annual fee
• Unsecured
• No rewards, but automatic credit line reviews

2. Discover it® Secured

• Requires a deposit but offers 2% cashback
• No annual fee
• Reports to all three credit bureaus

3. Mission Lane Visa® Credit Card

• No security deposit
• More transparent fee structure
• Also designed for those with poor credit

Final Verdict: Is the Destiny Credit Card Worth It?

In this 2025 Destiny Credit Card Review, we found that the Destiny Mastercard offers a relatively easy way to get access to credit when your options are limited. It can help you build a positive credit history, especially if you don’t want to tie up money in a secured card.

However, the high fees and interest rate make it a less appealing choice compared to competitors, especially if you qualify for cards with lower costs or additional perks.

Our Take: Only consider the Destiny card if you’ve been denied elsewhere and don’t want a secured card. Otherwise, explore better-value options.

FAQs About the Destiny Credit Card