The Ultimate Guide to the Destiny Credit Card


The Destiny card is an excellent intro credit card for those that are just beginning to build their credit or for those that are trying to rebuild and improve their credit history and scores. The Destiny credit card is issue by Mastercard and can be used anywhere Mastercard is accepted. For more details regarding the Destiny card read below where we review the details of this credit card for new and prospective card holders.

The Destiny Mastercard is an unsecured credit card that comes with a varying larger annual fee for the first year that often ranges from $59 to $175 and annual fee that is typically lower for subsequent years, and can range from $59 to $99.


The card typically comes with a low credit limit which is great for those with low credit scores or those that are new to having access to credit, helping them to build their scores responsibly. If you spend responsibly and make payments on time you’ll experience an increase in your credit limit but since this in an intro credit card your limit will never go beyond the maximum limit of $700.

If you’re a new or prospective Destiny cardholder you likely have several questions about your card including how to apply for a card, how to activate the Destiny card, how to register and login to your account and many other questions as well. On this help site we have included a credit card activation guide, login guide, FAQs section and much more.


Benefits of the Destiny Mastercard

Experience the ease of managing your credit with the Destiny credit card. Here are some of the great benefits of this card:

Credit Bureau Reporting

Your account balance and payment history will be reported to each of the 3 major credit bureaus on a monthly basis. This can help you improve your credit score and make it easier to qualify for loans, apartments, and other big purchases.

Zero Liability Protection

With the Destiny card, you won’t be held liable for any unauthorized transactions. If your card is lost or stolen, simply call customer service to cancel your card or dispute unrecognized charges. This benefit provides you with peace of mind and added security.

Cash Advances

Qualified applicants can also get cash advances with the Destiny Card. This feature is great for road trips or emergencies when you need cash on the go. You can simply request a personal identification number by calling customer service, which will be mailed to you and allow you to withdraw cash from most ATMs in the US.

Online Account Management

You can easily manage your Destiny credit card account online at The online portal allows you to make payments, track balances, download statements, view transactions and much more. You can access your account anytime and anywhere using a computer, tablet, or mobile phone with internet access.


How to Activate Your New Destiny Card?

Online: If you just received your new card in the mail you’ll need to visit and go through our step-by-step card activation process before you can begin using your card.

  1. On the main page you’ll need to click on “Register Your Account” to get started.
  2. On the registration page just enter your card number, date of birth and social security number and continue to the next step.
  3. From here you’ll need to provide your email and then select a username and password for online access. From here continue to the next step.
  4. Continue advancing through the steps to activate your new Destiny Card
  5. Once your Destiny card is activated you can login to the Destiny card online portal to manage your account.

By Phone: Activating your card by phone is easy. Just call the number found on the sticker on the front of your new card or call the number found on the back if you have already discarded the sticker.

If you activate your card by phone you will still need to “Register Your Account” for online access to manage your account in the future.


How to Login to Your Destiny Card Account?

Logging in to your online account is simple. Once you’ve activated your card and registered for your account just visit and enter your username and password to login. If you’ve forgotten your username or password you can request those from the login page. Check out our complete login guide for a simple step-by-step guide.


How to Apply for a Destiny Mastercard?

If you’re a prospective cardholder and want to learn a little bit more about the Destiny card you can visit the official website at, our check out our page where we cover more details about the Destiny Card. To apply for the card with an invite just visit and fill out the simple pre-qualification form. If you have already been invited to apply you can visit or and enter the application code you received in the mail.


How to Contact Destiny Mastercard Support?

If our help site was not able to resolve your issue you can contact Destiny customer service by sending a secure message through your online account or you can contact Destiny card support by calling 1-800-583-5698.

For technical website help you can also call 1-800-705-5144.

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