While most credit-building cards designed for fair or challenging credit histories offer zero rewards, the Destiny® Mastercard® - Up to 3% Cashback Rewards stands out by introducing structured earning tiers. Cardholders can earn 3% cash back on the first $5,000 spent annually across vital everyday categories, alongside 1% on all remaining eligible purchases.

Because subprime rewards cards often carry distinct annual and monthly maintenance structures, aligning your everyday spending habits carefully ensures your cash return works for your budget.

Issuer: The Bank of Missouri • Network: MastercardSynced Daily Data Verified: Aug 14, 2026
Destiny® Mastercard® - Up to 3% Cashback Rewards
  • A rewards card for people with less-than-perfect credit!
  • Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!
  • A guaranteed $700 credit limit to help you build access to credit, if approved.
  • With Cashback Rewards, you get to live like an A-lister.
  • Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
  • Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
  • No security deposit required—get started today!
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Purchase APR Rate: 35.90% - Rewards Rate: Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases and 1% Cashback Rewards on all other purchases. - Annual Fee: $175 the first year; $49 thereafter - Monthly Fee: $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month) - Credit Needed: Fair - Late Payment Fee: Up to $41 - Foreign Transaction Fee: 1% of each transaction in U.S. dollars - Credit Limit: $700
Rates & Fees
Issuer: The Bank of Missouri • Network: MastercardSynced Daily Data Verified: Aug 14, 2026
Destiny Mastercard®
  • A guaranteed $700 credit limit to help get your financial goals on track, if approved.
  • Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
  • No security deposit, and a path to better credit.
  • Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
  • Get the credit you deserve, even with less-than-perfect history.
  • An unsecured card great for everyday purchases
Learn More
Purchase APR Rate: See terms - Annual Fee: See terms - Monthly Fee: See terms - Credit Needed: Poor to Good - Foreign Transaction Fee: 1% of each transaction in U.S. dollars. - Credit Limit: $700
Rates & Fees
Issuer: The Bank of Missouri • Network: MastercardSynced Daily Data Verified: Aug 14, 2026
Destiny® Mastercard® with Instant Credit
  • A guaranteed $700 credit limit to help get your financial goals on track, if approved.
  • Don't wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
  • Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
  • No security deposit, just instant purchasing power. See Terms.
  • Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
  • Get the credit you deserve, even with less-than-perfect history.
Learn More
Purchase APR Rate: 35.90% - Annual Fee: $175 the first year; $49 thereafter - Monthly Fee: $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month) - Credit Needed: Fair - Late Payment Fee: Up to $41 - Foreign Transaction Fee: 1% of each transaction in U.S. dollars. - Credit Limit: $700
Rates & Fees

Targeting the 3% Spend Categories Efficiently

To capture the maximum 3% reward rate before hitting the annual threshold, focus your routine budget on the qualifying merchant category codes (MCCs):

  • Gas Stations: Use the card at automated pumps for daily commuting fuel needs.
  • Groceries: Direct your supermarket and local grocery store shopping trips through the account.
  • Restaurants & Dining: Charge casual dining, takeout, and coffee shop visits to accumulate rewards quickly.
  • Mobile Phone Services: Route recurring monthly wireless provider bills directly to the card to harvest passive cash back.

Balancing Rewards Against Account Fees

The 3% cash back variant features a $175 annual fee in the first year ($49 thereafter) plus a monthly fee structure kicking in after year one ($12.50 monthly), alongside a 35.90% purchase APR. To ensure your earnings outpace these maintenance costs, treat the card like a debit tool: charge your routine categorized essentials and pay the statement balance in full every single month.

Destiny 3% Cashback Rewards Navigation: