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MASTERCARD

Mastercard Standard

Destiny Mastercard

$59

Annual Fee

At a Glance

Annual Fee

$59

Authorized User Fee

Foreign Transaction Fee

Network

Mastercard Standard

Credit Required

Poor

Benefits & Perks

Insurance & Protections

$0 fraud liability protection included

You're never responsible for fraudulent charges on your Destiny Mastercard

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

Zero Liability on unauthorized transactions

You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.

24/7 lost/stolen card assistance worldwide

Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.

$100/claim purchase protection (45 days)$100

Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.

Reviews & Analysis

Pros and Cons

Pros

+Unsecured card with no security deposit required
+Available to consumers with poor credit
+Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
+Relatively low annual fee of $59 for credit building card
+No cash advance feature helps prevent debt accumulation

Cons

-High APR of 29.99%
-No rewards or cash back on purchases
-Low credit limits (typically $300-$500)
-$40 late payment fee
-1% foreign transaction fee
-Annual fee of $59 adds to cost

Details & Terms

Payment Terms

Purchase APR	29.99% (Variable)
Foreign Transaction Fee	1%
Authorized User Fee	$0

Media & Resources

Card Design

Destiny Mastercard card art from issuer website

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source
—	—	View source

Explore More

See all First Electronic Bank cards →Browse all card categories →Browse all card benefits →Browse all credit cards →

MASTERCARD

Mastercard Standard

Destiny Mastercard

$59

Annual Fee

At a Glance

Annual Fee

$59

Authorized User Fee

Foreign Transaction Fee

Network

Mastercard Standard

Credit Required

Poor

Benefits & Perks

Insurance & Protections

$0 fraud liability protection included

You're never responsible for fraudulent charges on your Destiny Mastercard

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

Zero Liability on unauthorized transactions

You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.

24/7 lost/stolen card assistance worldwide

Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.

$100/claim purchase protection (45 days)$100

Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.

Reviews & Analysis

Pros and Cons

Pros

+Unsecured card with no security deposit required
+Available to consumers with poor credit
+Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
+Relatively low annual fee of $59 for credit building card
+No cash advance feature helps prevent debt accumulation

Cons

-High APR of 29.99%
-No rewards or cash back on purchases
-Low credit limits (typically $300-$500)
-$40 late payment fee
-1% foreign transaction fee
-Annual fee of $59 adds to cost

Details & Terms

Payment Terms

Purchase APR	29.99% (Variable)
Foreign Transaction Fee	1%
Authorized User Fee	$0

Media & Resources

Card Design

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source
—	—	View source

Explore More

See all First Electronic Bank cards →Browse all card categories →Browse all card benefits →Browse all credit cards →

MASTERCARD

Mastercard Standard

Destiny Mastercard

$59

Annual Fee

At a Glance

Annual Fee

$59

Authorized User Fee

Foreign Transaction Fee

Network

Mastercard Standard

Credit Required

Poor

Benefits & Perks

Insurance & Protections

$0 fraud liability protection included

You're never responsible for fraudulent charges on your Destiny Mastercard

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

Zero Liability on unauthorized transactions

You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.

24/7 lost/stolen card assistance worldwide

Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.

$100/claim purchase protection (45 days)$100

Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.

Reviews & Analysis

Pros and Cons

Pros

+Unsecured card with no security deposit required
+Available to consumers with poor credit
+Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
+Relatively low annual fee of $59 for credit building card
+No cash advance feature helps prevent debt accumulation

Cons

-High APR of 29.99%
-No rewards or cash back on purchases
-Low credit limits (typically $300-$500)
-$40 late payment fee
-1% foreign transaction fee
-Annual fee of $59 adds to cost

Details & Terms

Payment Terms

Purchase APR	29.99% (Variable)
Foreign Transaction Fee	1%
Authorized User Fee	$0

Media & Resources

Card Design

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source
—	—	View source

Explore More

See all First Electronic Bank cards →Browse all card categories →Browse all card benefits →Browse all credit cards →

Best For

✓People with poor or very limited credit who cannot qualify for other unsecured cards
✓Those who need an unsecured card without a security deposit
✓Consumers focused solely on rebuilding credit to qualify for better cards later
✓People who will pay the balance in full every month to avoid interest

Not Ideal For

✗Anyone who carries a balance (29.99% APR)
✗People who qualify for lower-fee credit building cards
✗Those seeking rewards or cash back
✗International travelers (1% foreign transaction fee)
✗Long-term cardholders

Best For

✓People with poor or very limited credit who cannot qualify for other unsecured cards
✓Those who need an unsecured card without a security deposit
✓Consumers focused solely on rebuilding credit to qualify for better cards later
✓People who will pay the balance in full every month to avoid interest

Not Ideal For

✗Anyone who carries a balance (29.99% APR)
✗People who qualify for lower-fee credit building cards
✗Those seeking rewards or cash back
✗International travelers (1% foreign transaction fee)
✗Long-term cardholders

Best For

✓People with poor or very limited credit who cannot qualify for other unsecured cards
✓Those who need an unsecured card without a security deposit
✓Consumers focused solely on rebuilding credit to qualify for better cards later
✓People who will pay the balance in full every month to avoid interest

Not Ideal For

✗Anyone who carries a balance (29.99% APR)
✗People who qualify for lower-fee credit building cards
✗Those seeking rewards or cash back
✗International travelers (1% foreign transaction fee)
✗Long-term cardholders

Destiny Mastercard

At a Glance

Insurance & Protections

Pros and Cons

Pros

Cons

Payment Terms

Card Design

Evidence Sources

Explore More

Destiny Mastercard

At a Glance

Insurance & Protections

Pros and Cons

Pros

Cons

Payment Terms

Card Design

Evidence Sources

Explore More

Destiny Mastercard

At a Glance

Insurance & Protections

Pros and Cons

Pros

Cons

Payment Terms

Card Design

Evidence Sources

Explore More

Who It's Best For

Best For

Not Ideal For

Who It's Best For

Best For

Not Ideal For

Who It's Best For

Best For

Not Ideal For