- Get a credit card with subprime credit.
- No security deposit required.
- Reports to all three major credit bureaus.
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Updated April 10, 2024
In a nutshell
The card_name is a credit card for borrowers with less-than-perfect credit histories.
- card_name is a proper credit card, not a secured card, so there’s no deposit required.
- While borrowers with poor credit are likely to be approved, you must undergo a credit review, and approval isn’t guaranteed.
- The card comes in different versions, depending on your credit and financial situation, and high fees and interest rates make it a difficult card to endorse.
Destiny Mastercard® - Poor Credit Considered
Destiny Mastercard® - Poor Credit Considered
Credit score
credit_score_needed
Annual fees
annual_fees
Pros and cons
As we’ve discussed, the card is helpful for people with bad credit, but there are pros and cons to consider when deciding if the card_name makes sense for your needs.
Pros:
Cons:
- Significant recurring fees.
- High interest rates.
- No rewards.
Who is the card for?
The card_name is designed for subprime applicants looking for a traditional credit card with no security deposit. You can use the card_name to build or rebuild your credit after past mistakes.
Due to the card’s terms and ongoing fees, it’s not ideal if you can qualify for a superior card. If you have enough cash to get a secured credit card, you may find a better deal with no annual fee. If you have better credit, you can likely find a card with no annual fee, cash back rewards or a combination of the two.
Perks and benefits
The main benefit of the card_name is the ability to get approved without good or better credit. While the issuer doesn’t list a specific minimum credit score, it’s designed for borrowers without good credit histories. However, as it’s not secured, your credit history is a significant factor in your approval and terms.
The card also reports your activities to all three major credit bureaus: Experian, TransUnion and Equifax. Banks and other lenders use one of these agencies to get your credit score and credit report when applying for credit, and reporting to all agencies helps you build credit across the board.
The card_name may be a reasonable choice if you can’t qualify for other cards.
Bonuses and rewards
There are no rewards or significant benefits when using the card_name. If you’re looking for rewards, consider an alternative card below.
How to get the most out of the card
The best use of the card_name is rebuilding your credit. Always pay off the card in full by the due date and keep your balance low to build your credit over time. When you can qualify for a better card with no recurring fees or better rewards, you’re likely best off moving on and closing this account.
Alternatives
If you’re not sold on the card_name, one of these Destiny card alternatives could be a better choice.
card_name
Chime Credit Builder Visa® Credit Card
Chime Credit Builder Visa® Credit Card
Credit score
credit_score_needed
Annual fees
annual_fees
The card_name has no annual fee or interest. It’s attached to a Chime checking account and allows you to build credit without additional costs. The card_name is a little different from other secured cards in that you don’t have to put down a fixed initial deposit.
U.S. Bank Altitude Go Secured Visa Card
U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Altitude® Go Visa Signature® Card
Credit score
Excellent
Annual fees
$0
With a security deposit of $300 to $5,000, you can open this card even with a bad credit history. There’s no annual fee, and you can earn up to 4x points per dollar on bonus category purchases, among other benefits.
Revvi Card
Revvi Visa® Credit Card
Revvi Visa® Credit Card
Credit score
Fair
Annual fees
$75.00 1st year, $48.00 after*
The Revvi Visa® Credit Card is similar to the card_name, including the fees. However, it also features 1% cash back rewards, so you can earn more in rewards than the card’s annual cost.
The AP Buyline roundup: A serviceable credit builder card
The card_name is a reasonable choice for a limited number of applicants looking to build or rebuild their credit. However, with high annual fees and no rewards, it’s far from ideal for the average person. If you’re not sold on this card, consider one of the alternatives above for a better deal.
AP Buyline has partnered with CardRatings for our coverage of credit card products. AP Buyline and CardRatings may receive a commission from card issuers.
AP Buyline’s content is created independently of The Associated Press newsroom. Our evaluations and opinions are not influenced by our advertising relationships, but we might earn commissions from our partners’ links in this content. Learn more about our policies and terms here.