Destiny® Mastercard® – Up to 3% Cashback Rewards

Name: Destiny® Mastercard® – Up to 3% Cashback Rewards
Rating: 5

Credit Card Details

Advertiser Disclosure | About Our Ratings

Destiny® Mastercard® – Up to 3% Cashback Rewards

No security deposit required—get started today!

Card Brand MasterCard®

Credit Recommended Fair

Rewards Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases and 1% Cashback Rewards on all other purchases

Regular APR 35.90%

Annual Fee $175 the first year; $49 thereafter

Monthly Fee $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)

Updated for Sat 16 May 2026

Highlights

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!

Rates & Fees

Additional Info

Credit Limit: $700
Rewards Rate: Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases and 1% Cashback Rewards on all other purchases.
Regular APR: 35.90%
Annual Fee: $175 the first year; $49 thereafter
Monthly Fee: $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
Cash Advance APR: 35.90%
Cash Advance Fee: $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 )
Credit Recommended: Fair
Card Brand: Mastercard
Foreign Trans Fee: 1% of each transaction in U.S. dollars
Late Payment Fee: Up to $41
Minimum Credit Score: 500
Penalty APR: See Terms

Specifications

Regular APR	35.90%
Annual Fee	$175 the first year; $49 thereafter
Monthly Fee	$0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
Intro (Purchases)	n/a
Intro (Transfers)	n/a
Credit Recommended	Fair
Cash Advance APR	35.90%
Cash Advance Fee	$5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 )
Cash Grace Period	See Terms
Late Payment Fee	Up to $41
Overlimit Fee	See Terms
Return Check Fee	See Terms
Foreign Transaction Fee	1% of each transaction in U.S. dollars.
Balance Transfer Fee	See Terms
Rewards Rate	Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases and 1% Cashback Rewards on all other purchases