Destiny Mastercard® Credit Score Needed
The Destiny Mastercard® is an unsecured credit card designed for individuals with bad to fair credit. While it is accessible to those who have had credit problems in the past, including bankruptcies, your credit score is just one of several factors that the issuer, The Bank of Missouri, will consider. Understanding all the eligibility criteria can help you assess your approval odds. Read more: The Destiny Mastercard®: Your essential guide to rebuilding credit.
Credit score requirements
The Destiny Mastercard® is positioned for consumers with lower credit scores, typically those in the 500s or low 600s. While a higher credit score will always improve your chances, the card is specifically created to be an option for people with less-than-perfect credit. The bank accepts applications from those who may have had credit issues in the past, including bankruptcies.
Other factors beyond your score
While your credit score is important, the bank will perform a comprehensive review of your financial situation before approving you. Other key criteria include:
- Sufficient Income: You must have enough income to afford the minimum monthly payments on the card, in addition to your existing financial obligations.
- Income-to-Debt Ratio: The amount of income you have compared to your existing debt will be a factor in your approval.
- No Active Bankruptcy: While past bankruptcies may be overlooked, an active bankruptcy could lead to a denial.
- Prior History with Issuer: You will not be approved if you have had a charged-off account with the issuer in the past.
- Personal Information: You must be 18 or older, have a Social Security number, and have a valid U.S. address.
How to check your eligibility
The issuer offers a prequalification process on its website that allows you to see if you are likely to be approved without a hard inquiry affecting your credit score. This is an important step, as it lets you understand your chances before committing to a formal application, which does trigger a hard inquiry that can cause a small, temporary dip in your credit score. If you receive and accept an offer after prequalifying, the hard inquiry will then be conducted.
What to do if you don't qualify
If you are unable to qualify for the Destiny Mastercard®, you can explore other credit-building options. A secured credit card is often a great alternative because the security deposit reduces risk for the bank, making approval easier. You might also consider applying for a credit-builder loan or becoming an authorized user on someone else's account.
Explore key details
For more specific information on the Destiny Mastercard®, explore our more detailed articles:
- The Destiny Mastercard®: Your essential guide to rebuilding credit
- Destiny Mastercard®. Credit Limit Increase?
- Destiny Mastercard® Annual and Monthly Fees
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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