Almost all credit card providers target people with good credit histories. But not much thought was given to serving people with bad credit.

However, Destiny Credit Cards are specially made for people with bad credit. This card is perfect for anyone who wants a credit card with the purchasing power of Mastercard and wants to improve their credit score.

Are you one of those people who wants to show that you can take on the financial responsibility that banks, credit bureaus and other lenders are looking for? Then this card is for you. In this blog, we have put together all the information about the card and how to apply for it.

card properties

The Destiny credit card is perfect for those with imperfect credit who are looking for ways to improve their credit score. Regular payments allow individuals to improve their credit and payment history, as payment history is reported to the three major credit reporting agencies.

Cardholders can also enjoy Mastercard benefits like Mastercard ID Theft Protection™, which provides in-depth identity monitoring including social security numbers, bank accounts, web logins, and more.


The card also features chip technology for added fraud protection.

How do I apply?

There are two ways to apply for a Destiny credit card. The first method allows individuals to verify their eligibility for the card. To do this, visit Destiny’s website and click the Pre-Qualify Now button that appears on the page.

This will open an application form where basic details need to be entered. Depending on their credit profile, applicants may be eligible for one of several Destiny credit cards.


The second method is for people who have already received an offer in the mail. These people must click the “Apply” button on the home page under “Receive a referral via email?”

This will result in an invitation page where the person must enter the application code they received via email and their zip code.

Interest and other charges

Individuals will incur the following charges under the Destiny Credit Card.

Plat – 100 Credit Card

  • Purchase Annual Rate (APR): 24.9%.
  • Annual interest rate of cash advances: 29.9%.
  • Penalty Rate Annual Percentage Rate: 29.9%.
  • Expiration Date: 25 days.
  • Minimum Interest Charge: Not less than $0.50.
  • Annual fee: $59.
  • Cash Advance Fee: Zero for the first year, $5 or 5% of the transaction amount, whichever is higher, starting in the second year. (up to $100).
  • Foreign transaction fee: 1% per dollar transaction.
  • Late Fee: Up to $40.
  • Overage Fee: Up to $40.
  • Return Fee: Up to $40.

Plat – 101 Credit Card

The Plat 101 credit card costs the same as the Plat 100 card. The only difference is that the Plat-1010 card has an annual fee of $75 for the first year and $99 after that.


Eligibility Criteria

To be prequalified or approved for a Destiny credit card, an individual must be at least 18 years old (19 in Alabama). You should have a valid Social Security number, physical address, and US IP address.

Additionally, applicants should not have a history of charging their Destiny Mastercard account for misconduct or wrongdoing. In addition, they should meet other eligibility criteria. This includes reviewing the applicant’s income and debt history.

Contact information

Need more information on Destiny credit cards? Contact a representative using one of the details below.

Address: 15220 NW Greenbrier Pkwy, Suite 220, Beaverton, OR 97006.

Toll Free: 1-844-222-5695.

In conclusion

The Destiny credit card is more of a credit repair and builder card than a regular credit card used for shopping purposes.

By reporting monthly to the three major credit bureaus, you can rest assured that you will end up with a good account and qualify for better banking and financial loan services like mortgages and auto loans in the future. To learn more about Destiny credit cards, you can visit their website.

Jake Smith

Escrito por

Jake Smith

He is the editor of Eragoncred. Previously, he was editor-in-chief of Eragoncred and a financial industry reporter. Jake has spent most of his career as a Digital Media journalist and has over 10 years of experience as a writer and editor.