Destiny® Mastercard® - Up to 3% Cashback Rewards
The Destiny® Mastercard® offers "up to 3% Cashback Rewards," though the higher rate is limited to specific purchases each year. It is designed for individuals with less-than-perfect credit, offering 3% cashback on eligible purchases in the categories of gas, groceries, restaurants, and mobile phone services.
Cashback Rewards Program
- 3% Bonus Categories: You earn an extra 2% cashback (for a total of 3%) on the first $5,000 in eligible purchases each calendar year in these categories:
- Restaurants: Includes cafes, bars, lounges, and fast-food.
- Gas Stations: Must be merchants using a gas station category code.
- Grocery Stores: Includes supermarkets, meat/seafood stores, bakeries, and convenience stores.
- Mobile Phone Services: Includes prepaid and recurring mobile phone services.
- 1% Base Rate: All other eligible net purchases earn 1% cashback.
- Reward Exclusions: Certain purchases, such as specific warehouse clubs, online-only grocers, or delivery services, may be excluded based on merchant codes.
- Reward Redemption: Rewards are automatically issued as a statement credit. They do not count toward your minimum payment due.
Fees and APR
- Annual Fee: $175 for the first year, then reduces to $49 per year afterward.
- Monthly Fee: $0 for the first year, then $12.50 per month ($150 annually).
- Total Second-Year Fees: $199 ($49 annual fee + $150 monthly fees).
- High APR: Variable Annual Percentage Rate of 35.9% on purchases.
- Low Credit Limit: Initial credit limits are often low, commonly around $700. The annual fee is charged immediately, reducing available credit.
Pros for Credit Rebuilding
- Unsecured Card: No cash security deposit is required to open the account.
- Credit Reporting: Payment activity is reported to all three major credit bureaus, helping you build or rebuild your credit.
- Prequalification: You can prequalify for the Destiny® Mastercard® - Up to 3% Cashback Rewards without a hard inquiry, which helps check eligibility before applying.
Destiny® Mastercard® - Up to 3% Cashback Rewards
- A rewards card for people with less-than-perfect credit!
- Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!
- A guaranteed $700 credit limit to help you build access to credit, if approved.
- With Cashback Rewards, you get to live like an A-lister.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
- No security deposit required—get started today!
- 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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