Destiny Mastercard® Application | Apply Online
To apply for the Destiny Mastercard®, you must use the online application form on the official Destiny Card website. It is an unsecured credit card designed for individuals with bad or less-than-perfect credit who are looking to rebuild their credit history.
Eligibility requirements
To be eligible to apply for the Destiny Mastercard®, you must meet the following criteria:How to apply online
1. Prequalify online: Go to the official Destiny Mastercard® website. Complete the initial form to see if you prequalify for an offer. This step uses a soft credit inquiry and does not impact your credit score.2. Submit the full application: If you receive a pre-qualified offer and choose to proceed, you will complete the full application with all required personal and financial information.
3. Authorize a hard pull: By submitting the final application, you authorize Concora Credit (the servicer) to perform a hard inquiry on your credit report. A hard pull allows them to verify your information and make a final approval decision. This may cause a small, temporary dip in your credit score.
After submitting your application
Who should consider the Destiny Mastercard®?
This card is best for people with bad credit who have exhausted all other options and cannot get approved for a more affordable secured card. If you have no other choice for an unsecured card, it can help rebuild your credit if you use it responsibly. However, it should not be a long-term solution. The goal should be to make timely payments, improve your credit score, and then upgrade to a more favorable card with better terms.Destiny Mastercard®
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- No security deposit, and a path to better credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- An unsecured card great for everyday purchases
- CLICK HERE TO APPLY ONLINE
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FICO® Credit Scores
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
What is a Credit Score?
A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.
Why is a Credit Score Important?
A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.
FICO® Credit Score Facts
- Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.
- Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.
- Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.
- Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
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