Destiny® Mastercard® with Instant Credit
The Destiny® Mastercard® with Instant Credit is designed to help you get a guaranteed $700 credit limit to start achieving your financial goals, if approved. No security deposit is required, and you can use your card instantly via your mobile wallet if approved.
Key Features of the Destiny® Mastercard® with Instant Credit
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Don’t wait for your card to come in the mail. Add it to your mobile wallet and shop today if approved. See Terms.
- Apply with confidence! There is no impact to your credit score if you’re not approved. See Terms.
- No security deposit required—just instant purchasing power. See Terms.
- Zero Fraud Liability—peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
Interest Rates and Fees
| Feature | Details |
|---|---|
| Credit Limit | $700 |
| Minimum Credit Score | 500 (FICO between 510 and 699) |
| Regular APR | 35.90% |
| Annual Fee | $175 the first year; $49 thereafter |
| Monthly Fee | $0 first year; $12.50/month billed annually after |
| Cash Advance Fee | $5 or 5% of transaction, whichever is greater (max $100) |
| Foreign Transaction Fee | 1% of each transaction in USD |
| Late/Returned/Overlimit Fee | Up to $41 each |
| Credit Recommended | Fair |
How to Apply
Applying is quick and online. You can check if you pre-qualify without impacting your credit score, and if approved, you can start using your Destiny® Mastercard® with Instant Credit immediately via your mobile wallet.
Eligibility
To be approved, you must:
- Meet credit qualification criteria, including income and identity verification.
- Not have an existing Destiny® Mastercard® account.
- Not have had a Destiny® Mastercard® account that charged off due to delinquency.
- Be at least 18 years old with a valid U.S. Social Security Number and physical address, and apply from a U.S. IP address.
Final Thoughts
The Destiny® Mastercard® with Instant Credit offers guaranteed credit access, instant mobile wallet usage, and no security deposit requirements. With proper management, it’s a great tool to help rebuild or strengthen your credit.
Destiny® Mastercard® with Instant Credit
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Don't wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- No security deposit, just instant purchasing power. See Terms.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- 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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