Destiny Mastercard: how to apply and pay less

Requirements, your offer and how to cut costs

By Luzia Martins
Advertisement
Advertisement
Two Destiny credit cards, one facing front and the other showing the magnetic stripe and security code.

The Destiny Mastercard® is an unsecured credit card for people with less-than-perfect credit, issued by The Bank of Missouri and serviced by Concora Credit. This guide covers who can apply, how to read your offer, what to do after you’re approved and how to keep the card’s costs as low as possible.

Who can apply

Destiny is designed for people with bad or limited credit, and the issuer says applicants with a prior bankruptcy can apply too. To qualify, you generally need to be at least 18, have a valid Social Security number, a physical address in the U.S. and apply from a U.S. IP address. Your income, debts and identity are reviewed.

Approval isn’t guaranteed, and you can have only one Destiny Mastercard account. Under federal law, applicants under 21 must also show enough independent income to make the payments.

How to apply

  1. Go to Destiny’s official website and select Apply Now. If you received an offer in the mail, use the mail offer option instead.
  2. Fill out the online form with your personal and financial information. There’s no option to apply by phone.
  3. Read the offer carefully, including the annual fee, monthly fee, APR and credit limit, before you accept.
  4. Submit the application. If you’re not approved, no hard inquiry appears on your credit report.

Reading your offer

Destiny offers don’t all look the same. The most widely marketed version charges a $175 annual fee in the first year, $49 after that, and a $12.50 monthly fee starting in the second year. Other offers have a $0 annual fee with a smaller monthly fee instead. Reviews in 2026 report a 35.9% APR and a starting credit limit of around $700.

Two details matter most. Any first-year annual fee is charged to the card when the account opens, so it reduces your available credit from day one. And some cardholders report that the limit doesn’t increase over time, so don’t count on more room to spend later.

Terms checked in September 2026. Review the full terms shown during the application before you accept the card.

After you’re approved

In most cases, your card arrives within 14 business days. If it doesn’t, call the Lost/Stolen Department at 1-800-314-6340.

Once you have the card, create a login on Destiny’s online account site to check your balance, view statements and pay your bill. If you plan to use the card outside the U.S., call customer service first to set a travel alert, or foreign transactions may be declined. Purchases abroad also carry a foreign transaction fee.

How to keep the costs down

With a high-fee card, how you use it makes a big difference:

  • Pay the full statement balance every month, including the annual fee, so you don’t pay 35.9% interest on top of the fees.
  • Keep your balance low relative to your limit, since high utilization can hold your score back.
  • Avoid cash advances, which carry fees and interest.
  • After about a year of on-time payments, check whether you qualify for a card with no annual or monthly fees. Before closing Destiny, consider that closing your only card can affect your credit history.

Frequently asked questions

Can I apply if I've filed for bankruptcy?
Yes, you can apply. The issuer says less-than-perfect credit is okay, even with a prior bankruptcy. Approval still depends on a review of your income, debts and identity.
Does the Destiny Mastercard have monthly fees?
On many offers, yes. The most common offer adds a $12.50 monthly fee starting in the second year, on top of the annual fee. Check your offer for the exact amounts.
Can I transfer a balance?
No. Destiny doesn’t offer balance transfers.
Can I get a cash advance?
Yes, subject to credit approval. After you’re approved, you can request a PIN, which is sent by mail. Cash advances carry fees and interest, so check your cardholder agreement first.
What if my card is lost or stolen?
Call 1-800-304-3096 right away. If someone uses your card without permission, you may not be responsible for those charges.
What happens if I miss a payment?
You may be charged a late fee, interest continues on your balance, and a late payment reported to the credit bureaus can lower your score, which works against the reason for having this card.

How to contact Destiny

  • Customer service: 1-800-583-5698, Monday through Friday, 6 a.m. to 6 p.m. Pacific Time
  • Lost or stolen card: 1-800-304-3096
  • Card not received: 1-800-314-6340

Our take on the Destiny Mastercard®

The Destiny Mastercard gives people with serious credit problems, including a past bankruptcy, access to an unsecured card that reports to all three bureaus. On the most common offer, that access costs close to $200 a year. Apply only after comparing your offer with a secured card, and if you go ahead, pay in full every month and plan your move to a cheaper card.

The button below takes you to Destiny’s official website, where you can review the card and apply.

GO TO OFFICIAL WEBSITE

*You will be redirected to Destiny’s website*

Editorial Notice: All content published on this website is completely independent and aims to provide clear, useful, and up-to-date information about personal finance. We have no ties to banks, financial institutions or credit card companies. We are not affiliates and do not receive commissions or payments to promote products or services. Our website is monetized exclusively through the advertisements displayed on our pages. This content is for informational purposes only and is not financial advice.

Hi, I’m Luzia, part of the content team at Finvyu. I specialize in providing clear and accessible financial information to help people of all ages manage their money more effectively in everyday life.
Also read