Hey there, Money Best reader! Today, we’re diving into the Destiny credit card. If your credit score isn’t shining bright, you might wonder if this card is a diamond in the rough.

We’ve got the scoop to help you decide. Keep reading to discover all about the costs, interest rates, fees, and perks (or lack thereof) of the Destiny card.

If your credit score isn’t stellar, Destiny could be your new BFF because it’s more lenient with approvals.

Plus, it helps you build a good credit score with responsible use, offers a $700 credit limit without needing a security deposit, and allows you to choose your card design.

Additionally, the application process is straightforward, and you can pre-qualify without affecting your credit score.

It’s perfect for those starting their credit journey, as it reports to all three major credit bureaus, helping you improve your credit history over time.

However, let’s be real: Destiny isn’t winning any best-card awards. No rewards, no welcome bonus, and a high annual fee compared to other cards.

Ouch! The APR and late payment fees are pretty steep too.

If your credit score is giving you grief, Destiny might just be your knight in shining armor. It’s designed to help those with low credit scores get back on track. Here are the pros and cons to mull over:

By weighing these pros and cons, you can make a more informed decision on whether the Destiny Mastercard is the right choice for your financial needs.

Destiny doesn’t discriminate against lower credit scores. You can apply and potentially get a line of credit to help boost your score.

Just remember, high interest rates come with the territory, so stay on top of payments to avoid debt traps.

After this review, are you ready to give Destiny a whirl? Applying is a breeze, and it’s all online. Pre-qualify to see what offers are available to you without impacting your credit score.

Got an internet connection and a device? Great, that’s all you need! Head over to the Destiny website.

The site is straightforward, with an FAQ section for any lingering questions. Pre-qualify by entering your details like full name, contact info, address, and social security number.

Once you submit, you’ll get an email with your offer and can proceed from there.

Heads up: the only way to apply for a Destiny card is via their website. No app options here.

Of course, after receiving your beloved Destiny card, you will have access to a mobile app to manage your account. We are in 2024, after all!

Let’s compare: If you have a decent credit score, Wells Fargo Active Cash might be more your style.

With cashback rewards and no annual fee, it offers a lot more bang for your buck. Here’s a side-by-side look:

Does the Wells Fargo Active Cash seem like a better option? If so, you might want to consider applying for it instead. Stay tuned to The Money Best for a guide on how to apply for this Wells Fargo credit card.