A good fit if you
- You want a fixed $1,000 starting line instead of a small one
- You would rather not lock cash in a security deposit
- You want on-time payments on file at all three bureaus
- You can clear the statement in full each month
Home / Credit cards / Destiny Mastercard $1,000
Destiny Mastercard spec sheet: a $1,000 limit, guaranteed if approved
An unsecured Mastercard for building access to credit. Approval sets the line at $1,000, with no deposit held. Reporting: all three major bureaus.
- Credit limit: $1,000, guaranteed if approved
- Security deposit: none
- Bureau reporting: all three
- Accepted at 40 million locations online, in app and in store
Apply Nowon the issuer's secure site
Input: a credit file that needs work. Output: a known number. Most starter cards leave the limit open until approval; this Destiny offer fixes it at $1,000 for approved applicants, with nothing to put down. The weak spot is cost, so the full fee schedule sits below.
The spec verdict
Primary function: building access to credit. The card is a real Mastercard, accepted at 40 million locations online, in app and in store, with Zero Fraud Liability and monthly reporting to all three major credit bureaus. Issuer figure: over a million consumers have used the Destiny Mastercard to help build access to credit. The spec that separates this offer from a typical starter card is the line: $1,000 from approval, not a small limit you wait to grow.
Cost is the trade-off. Annual fee: $250 in year one, $99 each year after. Monthly fee: $0 for the first year, then $231 a year billed as $19.25 a month. Purchase APR: around 35.9%. Best setup: a few small charges, the statement cleared in full each month, and the card treated as a record-builder rather than a way to borrow.
Link note: the issuer says this offer may be unique and can only be guaranteed through the link on this page. Other offers for the same card can carry different terms.
Process: three steps
- Start on the issuer's site Identity, income and contact details go into the issuer's secure form. Plan on a few minutes.
- Issuer decision The issuer reviews the application and may obtain your credit report. The decision is the issuer's alone.
- Spend small, pay in full Approved accounts open at $1,000 with no deposit. Keep the balance low, pay by each due date, and the record goes to all three bureaus every month.
Rates and fees
| Credit limit | $1,000, guaranteed if approved |
| Annual fee | $250 in year one; $99 each later year |
| Monthly fee | Year one: $0 (billed $0 each month). Year two onward: $231 per year (billed $19.25 each month) |
| Purchase APR | Around 35.9% (see terms) |
| Deposit | None; unsecured |
Pricing is the issuer's and annual fees, APRs and credit limits vary by applicant. Full terms sit on the issuer's site; read them before you submit.
Fit check
Maybe not if you
- A low-fee card from a mainstream issuer is already open to you
- Annual fees are a dealbreaker
- You plan to carry a balance at a high APR
on the issuer's secure site
Questions about the Destiny Mastercard
Q.01Is the $1,000 line really guaranteed?
Only once you are approved: an approved account opens with a $1,000 credit limit. The application itself still goes through issuer review, which may include a credit report pull.
Q.02Do I need a security deposit?
No. The card is unsecured, so no cash is held up front.
Q.03What will it cost me?
Year one: a $250 annual fee and no monthly fee. Every year after: a $99 annual fee plus $231 billed as $19.25 a month. Purchase APR: around 35.9%. Check the full terms on the issuer's site first.
Q.04Can the card build my credit?
It can. Account activity goes to all three major credit bureaus, so on-time payments and a low balance add positive history. Late payments get reported as well.
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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A $1,000 line, known before you start
Guaranteed $1,000 limit if approved, no deposit, reporting to all three bureaus. Application: the issuer's secure site, a few minutes.
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