Destiny® Mastercard®: a guaranteed $1,000 credit limit, if approved
An unsecured Mastercard with a known starting line. If the issuer approves you, your limit is $1,000, there is no deposit to put down, and every on-time payment is reported to all three credit bureaus.
- $1,000 limit if approved
- No security deposit
- Reports to all 3 bureaus
No deposit to put down. The application runs on the issuer's secure site and takes a few minutes.
- Credit limit$1,000
- Security depositNone
- Annual fee$250, then $99
- Recommended creditFair
The $1,000 Destiny Mastercard at a glance
The Destiny® Mastercard® with a $1,000 credit limit is built for people whose credit is fair rather than spotless. The number is the point: if the issuer says yes, you know your limit before the card arrives, and you do not have to lock up cash as a deposit to get it. It is a real Mastercard, accepted at 40 million locations online, in app and in store, with Zero Fraud Liability. Over a million consumers have used the Destiny Mastercard to help build access to credit, and this offer reports your activity to all three major bureaus.
This is not the cash back version of the card. The $1,000 offer trades rewards for a bigger, known limit, and the fees run well above a prime card. We lay them out below so you can decide with the numbers in front of you.
Key benefits
- A guaranteed $1,000 credit limit to help you build access to credit, if approved.
- No security deposit required. The card is unsecured.
- Reports to all three credit bureaus, so on-time payments count toward your history.
- Mastercard is accepted at 40 million locations online, in app and in store.
- Zero Fraud Liability, the standard Mastercard protection.
How it works
Apply on the issuer's site
A short application on Destiny's secure site. Have your income and contact details ready; it takes a few minutes.
The issuer reviews it
Applications are subject to issuer review, which may include obtaining your credit report. Approval is the issuer's decision.
Use it, pay it, build
If approved, you start with a $1,000 limit. Keep the balance low and pay on time; the card reports to all three bureaus every month.
Want a known $1,000 limit without a deposit?
Apply on the Issuer's SiteRates and fees
The $1,000 offer is priced for credit building, so expect fees well above a prime card. These are the terms for the link on this page; this offer may be unique to that link, and other offers for the same card can carry different terms. Read the full terms on the issuer's site before you apply.
| Credit limit | $1,000 guaranteed if approved |
|---|---|
| Security deposit | None (unsecured) |
| Annual fee | $250 in the first year, $99 thereafter |
| Monthly fee | $0 the first year (billed $0 each month); $231 annually thereafter (billed $19.25 each month) |
| Purchase APR | Around 35.9% (see terms) |
| Rewards | None on this offer |
Who it is for
A good fit if you
- Want a $1,000 limit you can count on from day one
- Would rather not tie up cash in a deposit
- Plan to pay in full and build a payment history
- Value reporting to all three bureaus
Maybe not if you
- Can get a lower-fee card with your current credit
- Want cash back or points
- Would rather pay no annual fee at all
- Expect to carry a balance at a high APR
Frequently asked questions
Is the $1,000 limit really guaranteed?
If the issuer approves you, your credit limit is $1,000. Approval itself is not guaranteed. The issuer reviews every application and may pull your credit report.
Is there a security deposit?
No. This is an unsecured card, so there is no money to put down before you can use it.
What does the card cost?
A $250 annual fee in the first year and $99 each year after. From year two a further $231 a year is billed as $19.25 a month. The purchase APR is around 35.9%. Read the full terms on the issuer's site before you apply.
Will it help my credit?
It can. The card reports to all three major credit bureaus, so paying on time each month and keeping the balance low builds a positive payment history. Late payments are reported too.
A $1,000 limit, no deposit, reported to all three bureaus
If approved, the limit is set at $1,000 and the card is unsecured. Fees apply; read the table above first.
Start My ApplicationAdvertisementAdvertiser Disclosure
The Destiny Mastercard is issued by The Bank of Missouri (tbom) pursuant to a license from Mastercard and serviced by Concora Credit Inc. Applications are subject to issuer review (which may include obtaining your credit report) and approval; to be approved you must meet the issuer's requirements for creditworthiness, ability to pay, and identity verification. This offer may be unique and can only be guaranteed when using the link provided; other offers for this card may feature different terms and conditions. Annual fees, APRs, and credit limits vary by applicant. CashFlizow is an independent comparison service and may be compensated when you apply, which never changes your terms. This is an advertisement.