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Destiny Mastercard: a $1,000 limit, guaranteed if approved, with zero deposit

Made for building or rebuilding credit. The card is unsecured, so none of your cash gets tied up, and a yes from the issuer brings a $1,000 line from the first statement.

  • Guaranteed $1,000 credit limit, if approved
  • Spend at 40 million locations, online, in app or in store
  • No security deposit to put down
  • Reports to all three major credit bureaus
Apply NowSecure application on the issuer's site, in minutes.

HomeCredit cardsDestiny Mastercard $1,000

Most starter cards keep you guessing about the limit until the card shows up. This Destiny offer names the number up front: $1,000 when the issuer says yes, with nothing held back as a deposit. That clarity is the pull. The fees are the price of it, and we put both on the table below.

Our quick read

Treat this card as a credit-building tool first. It gives people whose credit file is thin or bruised a real Mastercard, and your account history goes to all three major credit bureaus. You also get Zero Fraud Liability. The issuer reports that over a million people have turned to the Destiny Mastercard while building access to credit. What makes this offer different is the limit: approval brings a fixed $1,000 line, not a small one you have to grow into.

The cost is where it bites. The annual fee is $250 in year one and $99 a year after that. Year one has no monthly fee, but from year two another $231 a year is billed at $19.25 a month, and purchases carry an APR of about 35.9%. Our plain take: make small purchases, clear the full statement each month, and use the card as a stepping stone, never a place to carry debt. These terms may be unique to the link here, and the same card can turn up elsewhere with different ones.

Three steps to a decision

  1. Open the application Tap Apply Now to reach the issuer's secure form. Have your ID and income details handy; it only takes a few minutes.
  2. Let the issuer decide Each application gets the issuer's own review, which can include a look at your credit report. Not every applicant gets a yes.
  3. Use it lightly, pay it fully Approved? Your $1,000 line comes with no deposit. Spend small, pay on time, and that record reaches all three bureaus every month.

What it costs

Credit line$1,000 once the issuer approves you
Annual fee$250 the first year, $99 from then on
Monthly feeNone in year one. Year two onward: $231 a year, as $19.25 a month
Purchase APRClose to 35.9% (see terms)
DepositNot needed; the card is unsecured

The issuer prices this card, and pricing can shift between offers. Your fees, APR and limit depend on your application, so go through every term on the issuer's site first.

Is it right for you?

A good fit if you

  • Knowing your limit before you apply matters, and $1,000 works for you
  • You would rather keep your savings than lock them in a deposit
  • You want every payment you make on time sent to all three bureaus
  • You can pay in full and see the fees as the cost of the line

Maybe not if you

  • A big-bank card with low fees would already say yes to you
  • You want cash back or points on your spending
  • Any annual fee is a dealbreaker for you
  • You tend to carry a balance, and this APR is steep
Apply on the Issuer's Site

A few minutes, start to finish, with the issuer.

Questions about the Destiny $1,000 offer

1Do I really get the full $1,000?
Yes, as long as the issuer approves you: approved applicants get a $1,000 limit. Getting approved is still up to the issuer, which checks each application and may look at your credit report.
2Do I need to put down a deposit?
No. The card is unsecured, so there is no deposit to pay.
3How much does the card cost?
Year one carries a $250 annual fee, and each year after costs $99. From year two you also pay $231 a year, split into $19.25 monthly charges. Purchases carry an APR of about 35.9%. Go over every term on the issuer's site first.
4Can it help me build credit?
It can. All three major credit bureaus get your payment history, so on-time payments and a small balance add up to a positive record. Late payments show up too.
Next step

A $1,000 line and a clear runway to rebuild

Approval brings a $1,000 limit and no deposit, and each payment you make on time lands with all three bureaus. The issuer's secure form takes only minutes.

Start My ApplicationBack to the credit card shortlist

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.

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