Destiny® Mastercard® review
Great for access to unsecured credit
Annual Fee: $75 First Year, $99 every year thereafter (you may see different terms on Credit Karma)
This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.
Here’s the average credit limit of members who matched their Destiny® Mastercard® or similar cards.
% of members by credit limit range
The average credit limit for members who have matched with this card or similar cards is $706, with $300 being the most common.
Here’s the average credit score of members who matched their Destiny® Mastercard® or similar cards.
% of members by credit score range
The average credit score for members who have matched with this card or similar cards is 558, with 551 being the most common. Note this is just one of the deciding factors when it comes to getting approved.
Member stats
Updated daily
63.4%
Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.
45 years
Average age of members who matched this card or similar cards.
$75,420
Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.
Member reviews
Most helpful positive review
September 17, 2025
Great card
— Credit Karma Member
Have not experienced any of the issues I’ve read online I have had Destiny several months 1 with 300 limit the other 700 , online access is accurate and easy to use , Customer service has been great they are available whenever I’ve had any questions , I find if you keep your balances 30% or below or pay in full each month this helps your credit score tremendously, no issues with making payments I try to pay ahead of time to make sure I have timely payments. This card is better than expected. Thank you Destiny
Most helpful negative review
February 16, 2024
No credit increase, ever.
— Credit Karma Member
Genesis (now Concora) is a predatory lender. They grant limits of $300 to $700 to high-risk borrowers and will hound you constantly to get their Milestone or Indigo cards also -- even if you already have them. High annual fees plus $12.50 monthly fee = $250 to $325 in annual costs ABOVE the almost 36% interest.