Destiny Mastercard®

  • All the benefits of a Mastercard, without a security deposit
  • Keeping your account in good standing may help establish and/or improve your credit history
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Prequalify for a card today and it will not impact your credit score
  • Reports to all three major credit bureaus
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Poor Credit, Fair Credit Personal $59-$99 N/A* N/A* 24.9% None


Quick Summary:
This Mastercard offer is issued by Genesis FS Card Services. This card is intended for consumers, or "personal use" with poor or limited credit histories. The issuer may expect recent or past flaws in your credit report. The APR is 24.9%* Fixed.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is an annual fee of $59-$99* for this card. This normally exists for "first year reduced annual fee" offers, or minimum spending requirements for the annual fee to be waived. You should read the additional details at the issuer's website or terms and conditions from the application for more information.

Rewards:
This is not a rewards card. It is normal for cards for fair and poor credit histories to not offer rewards.

Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect that applicants may have had problems with their credit history, or are working on building their credit reputation. A FICO credit score of 300 to 625 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Genesis FS Card Services product.

Other Basics:
This card contains the brand of Mastercard, where acceptance is global. Most businesses that accept credit cards will accept Mastercard as a form of payment (subject to available credit).

Other Remarks:
  • 24/7 access to your account information, even on mobile
  • Accepted nationwide, wherever Mastercard is accepted
  • Account history is reported to the three major credit bureaus in the U.S
  • All the benefits of a Mastercard, without a security deposit
  • An opportunity to build and access credit
  • An unsecured card perfect for everyday purchases
  • An unsecured Mastercard for less than perfect credit
  • Card designs to fit your personality at no extra charge
  • Chip technology for your convenience and security
  • Easy pre-qualification process which does not affect your credit score
  • Easy pre-qualification process with fast response
  • Fraud protection for stolen or lost cards


Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

This card has a very poor approval or acceptance rate. Since this is a card for poor credit, high fees or APRs may be contributing factors for people that decide to accept this card. Furthermore, if your FICO score is close to or higher than 300 to 625, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
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