Destiny Credit Card FAQs


What are the benefits of the Destiny Mastercard?
The Destiny Mastercard offers several benefits, including credit bureau reporting, zero liability protection for unauthorized transactions, the ability to request cash advances, and convenient online account management.

How do I Apply for a Destiny Credit Card?
The application process is simple. Just visit if you do not have an invitation code yet or visit if you already have an invite code. Once on the pre-qual or invite page follows the prompts to apply. If you apply for a pre-qualification you’ll then need to complete a full application with your invite code.


How do I activate my new Destiny Credit Card?
You can activate your new Destiny card either online or by phone. First wait for your new card to arrive in the mail and then visit and follow the steps outlined on the page to activate your new Destiny Mastercard. You can also visit our complete Destiny activation guide for a detailed step-by-step process to online activation and phone activation. If you prefer to activate it by phone, call the number provided on the front or back of your card and follow the prompts.

How do I log in to my Destiny card account?
To log in to your Destiny card account, visit and enter your username and password. If you forget your username or password, you can request assistance from the login page.

What is the Destiny Card support phone number?
You can contact Destiny card support at 1-800-583-5698. You can also contact support by logging in to your Destiny account.

How can I apply for a Destiny Mastercard?
If you have received an invitation, you can apply for the Destiny Mastercard by visiting or and entering your application code.

Can I Apply for the Destiny Card without and invite code?
If you do not have a invite to apply you can fill out the short pre-qualification form at to see if you qualify for the Destiny credit card.

Do I need good or perfect credit get be approved?
No, the Destiny card is designed for those with low credit scores or no credit history. While slim on total benefits the Destiny card is a great intro credit card for those that are looking to establish credit history or rebuild their credit.

Can I setup autopay so that I never miss a payment?
Yes, setting up autopay to make card payments is simple and advised if you have trouble remembering to make your payments each month. Autopay ensures you never miss a payment and is a way to fast track improving your credit scores.

How long will it take to receive my card in the mail?
New applicants typically receive their card in 10-14 business days.

Does the Destiny card offer balance transfers from another card?
No, due to having a low credit limit the Destiny card does not allow for balance transfers.

Does the Destiny card offer zero liability for fraudulent charges?
Just like all Mastercard’s you’re 100% covered for any and all fraudulent charges made to your account.

What is the annual fee for the Destiny Mastercard?
The annual fees varies from person-to-person and is based on your credit history. When you apply for the card and upon approval Concora Credit will notify you of your annual fee. We have seen 1st year annual fees range from $49 to $175 and the recurring annual fee for subsequent years range from $59 to $99.

Is there a mobile app for the Destiny credit card?
At the time of this writing there is NOT a mobile app for either iOS or Android for the Destiny card. However the desktop site does work on mobile phones and from there you can do everything that you would while at home on your desktop.

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