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
- Be at least 18 years old.
- Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
- Have a physical U.S. address (P.O. boxes are not accepted) and a U.S. IP address.
- Not have had a Destiny Mastercard® account that was previously charged off due to delinquency.
- Have sufficient income to make the minimum monthly payments.
- Have a FICO® score between 510 and 699 and no current delinquencies for high approval odds.
How to apply online
- 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.
- 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.
- 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
- Approval timeline: Many applicants receive a decision instantly. If additional verification is needed, the process could take up to 10 business days.
- Check application status: You can check the status of your application by calling Concora Credit's customer service number.
- Receive your card: If approved, you may receive an instant card number to use for purchases right away.
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
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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