When dealing with less-than-perfect credit history, protecting your score from unnecessary hard inquiries is essential. The Destiny Mastercard® features a risk-free prequalification process that allows prospective applicants to see if they qualify for a credit line before committing to a hard credit pull.

Understanding this initial evaluation phase helps you shop for credit-building products with total confidence.

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

How the Soft Inquiry Works

When you fill out the initial prequalification form online, the issuer performs a soft credit inquiry. This check provides a snapshot of your credit file to see if you match their underwriting standards, but it is entirely invisible to other lenders and does not affect your credit score.

Moving From Prequalification to Full Approval

While prequalification indicates strong approval odds for a standard $700 credit limit (upon final approval), moving forward to complete the formal application process will trigger a hard inquiry. Ensuring your general financial profile is stable helps maximize your chances of a smooth approval.

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