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Destiny™ Mastercard®

Credit needed
Bad/ Fair
Annual Fee

Card Summary

Destiny Mastercard, an unsecured credit card that is available to those with poor credit or fair credit.

Prequalification is quick and easy in less than 60 seconds.

It also reports all transactions to the three main credit bureaus.

The annual fee is $59 to $99. There's also a 24.90% interest rate.

Cardholders have access to Mastercard benefits such as identity theft protection or zero liability protection.

Card Summary - Cons

Rates and fees

Issuer Name
Genesis FS Card Services
Penalty APR
29.90% (Fixed)
Credit Needed
Bad/ Fair
Balance Transfer Fee
Annual Fee
Cash Advance Fee
$0 for the first year. After the first year $5 or 5% will be charged on each transaction (not exceeding $100).
Foreign Transaction Fee
Each transaction is worth 1% in U.S. Dollars.

Here’s a smart way to pay off

Genesis FS Card Services

The Best Features

Destiny Mastercard does not require a great credit rating. You may be eligible if you have bad credit or fair credit, and even bankruptcy.

Prequalification in a matter of minutes: With the Destiny Mastercard, you can quickly determine if your application is eligible.


Sign up bonus

APR Requirements


There is no introductory bonus or rewards program: The Destiny Mastercard does not offer a reward program.

Annual fees for this card: $59 to $99.

The cardholders will be charged a high interest rate of 24.90%.

This rate is much higher than that of an average credit card from the U.S. News.


You can rest assured knowing that there is no fraud liability for unauthorised use. Pre-qualifying won't affect your credit score, so feel confident. Choose the credit card that best suits your needs.

No security deposit is required to access an unsecure credit card. Acceptance across the nation - Mastercard can be used anywhere Mastercard is accepted, online, in stores, or in apps.

It is fast and simple to pre-qualify. You will be notified if your qualifications are accepted without affecting credit scores.

You can pre-qualify for credit without affecting your credit score. Card for all your daily needs. All three credit bureaus can see your payment history. You can use your Mastercard card anywhere Mastercard is accepted - in the app, online, or in-store.

Destiny Mastercard Benefits: Destiny Mastercard benefits are:

Protect your Mastercard from identity theft,
No liability coverage.


Comparative Analysis with Other Cards

Destiny Mastercard Vs. Credit One Bank Unsecured Credit Visa with Cashback Rewards

Annual Fee: Destiny Mastercard Holders must pay $59-$99 annually. Annual fee for the Credit One Bank Unsecured Credit Visa with Cashback Rewards is $0 to $99.

Rewards: There is no rewards program for the Destiny Mastercard. Credit One Bank Unsecured Visa Cash Back Rewards cardholders receive 1% cashback on eligible purchases.

Sign up bonus: No card offers a sign-up bonus.Destiny Mastercard benefits include Mastercard identity theft protection, zero liability protection, and other protections.

Benefits: Credit One Bank Unsecured MasterCard with Cash Back Rewards Cardholders have access to benefits such as zero fraud liability and FICO credit scoring access.

Destiny Mastercard vs. First Progress Platinum Prestige Mastercard Secured Credit Card

Annual Fee: Destiny Mastercard has a $59-$99 fee. Holders of First Progress Platinum Prestige MasterCard Secured Credit Cards are required to pay a $49 annually fee.

Reward Programs: The cards do not offer any rewards.

Sign up bonus: With either card, you won't be eligible for an introductory bonus.

Benefits: Destiny Mastercard Holders have the following benefits:

Mastercard Identity Theft Protection and Zero Liability Protection are available.

First Progress Platinum Prestige Mastercard Secured credit card benefits include purchase protection and extended warranty coverage.

Maximizing Rewards

Annual Fees



No late fees. Reduced interest charges. Pay off

Genesis FS Card Services