While unsecured credit-building cards like the Destiny Mastercard® offer a clear path forward for individuals with past credit challenges, they often come with structural fees and interest rates that differ significantly from prime consumer cards. Evaluating these costs upfront is critical to maintaining a healthy budget.

Understanding how annual maintenance costs and purchase APRs interact with your $700 credit limit ensures you can utilize the card effectively without falling into a debt cycle.

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
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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

Navigating Card Maintenance Costs

Because these products cater to applicants with less-than-perfect credit history, issuers offset risk through account fees. Reviewing your specific cardholder agreement will reveal any applicable annual or monthly maintenance fees. Being aware of these charges allows you to plan payments ahead of time so they never catch you off guard.

The Importance of Paying in Full

Due to standard credit-builder APR terms, carrying a revolving balance from month to month can quickly become expensive. The most effective strategy to counter high interest rates is treating the card like a debit tool—charging only what you can afford and paying the balance off in full before each statement due date.

Destiny Mastercard® Navigation: