✅ No security deposit required – it’s an unsecured card
✅ Reports to all three major credit bureaus regularly
✅ Open to applicants with bad credit or past bankruptcy
✅ Includes Mastercard Zero Liability and ID Theft Protection
Why the Utua team recommends the Destiny Mastercard
At Utua, we believe financial tools should serve as bridges to better opportunities—and that includes credit cards for people who have had difficulties in the past. The Destiny Mastercard stands out for being one of the few unsecured cards available to applicants with poor credit or even prior bankruptcies. Its most important feature is its accessibility: you don’t need to provide a security deposit, which lowers the barrier to entry for many individuals who are rebuilding their financial reputation.
Additionally, it reports monthly to all three major credit bureaus—Equifax, Experian, and TransUnion—offering users a real path toward credit recovery. Even though it comes with fees, the Destiny Mastercard can be a stepping stone if used responsibly and with a budget in place.
Author’s opinion
The Destiny Mastercard is far from flawless, but it plays a role in an underserved segment of the credit market. The fact that it’s unsecured means you don’t need to lock money upfront, which is often the biggest hurdle for many individuals trying to rebuild their finances.
That said, the fees are something you cannot ignore—they’re there, they eat into your available limit, and they’re among the highest in the category. Compared to other Destiny cards or similar options offered by the same issuer, you won’t find many perks or future upgrade paths. There’s no automatic review for a credit line increase, which can be discouraging.
Want to know more about the card?
Click the button below to explore more details about the Destiny Mastercard, including how it works, the full fee structure, and the simple application process. Get informed before applying and see if this card is the right fit for your credit recovery journey.