If you’re wondering whether or not there’s a card out there that can help you improve your score, this Destiny Mastercard® review is tailor-made for you.

In this article, we’ll go over the pros and cons of getting a Destiny Mastercard®, so that you can weigh them and make an informed decision.

We’ll also give you tips on improving your credit score so that you may be eligible for a better card in the future.

If you’re interested in this information, please, keep reading.

If you are facing a challenging financial situation and have a low score, know that you are not alone. According to a consumer credit review by Experian, 16% of North Americans have a bad credit score, and 18% have a fair credit score. We know this can make accessing a credit card or loan difficult.

But how to build credit without credit? Some financial institutions have cards specifically for these cases to solve this issue. The Destiny Mastercard® is one of these options.

Concora Credit Inc. issues the Destiny Mastercard®. Your application will be considered even if you have a bad credit score. But some factors will affect the card offer. So, the annual fee is $175 for the first year and $49 thereafter.

The card doesn’t offer any reward program or welcome bonus. The focus is just on the credit line. Pay attention to late payments, or you’ll pay a high fee for it.

If you’re on a low score, you probably don’t have many options. While Destiny doesn’t offer many benefits, it can be a gateway. Use it for a few months until you can apply for a card with more benefits and lower fees.

Check out some pros and cons to help you decide:

Destiny is targeted toward people with a not-so-good credit score. So you don’t have to worry if you have a bad or fair score. You can apply and you might be approved.

When you receive your card, make responsible use with no late payments to build a strong and healthy credit score. Keep a low rate between your credit limit and how much of it you’re using. A good way to do it is constantly paying your credit card bill.

In the future, you can apply for a better credit card with reward programs and other benefits.

Applying for the Destiny Mastercard® is easy, and you can do it online. We’re going to explain everything about the application process. Just keep reading to get one step closer to your new credit card.

Just like almost everything nowadays, the application for this card can be done online. You just need a computer, internet, and you’re ready to go.

Access the Destiny Website. It is very simple, and you’ll easily find the information you need. The card doesn’t have many features, so there is not much to read about.

You’ll be redirected to a form where basic info is required. All you need to inform is your name, address, contact info, and Social Security Number. Submit the form and you’ll get an answer right away.

Unfortunately, you can’t apply using the app. The only way to apply for a Destiny Mastercard® is through the website.

Let’s put the Destiny Mastercard® side by side with another card for comparison.

If you’d rather get the First Digital Mastercard®, this is a good option too. We have content to show you how to apply for it. Stay at The Mad Capitalist to read the First Digital Mastercard® review and apply for it.