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’ll tell you more about the application process in the following content.