Destiny® Mastercard® with $1,000 Credit Limit: paying for extra room
The listed limit is $1,000, if approved, with no deposit. A higher limit is useful only if you need it, so weigh it against the fees it brings.
Compare these cards by fees
The short version
- Our data shows required fees of $250 in year one and $330 in year two, $580 in all, before any interest.
- Checkngocash has not confirmed these figures with the advertiser. Terms vary, so treat your own offer as the final word.
- The company behind the offer makes every decision and sets the terms, not Checkngocash.
At a glance
The Destiny® Mastercard® with $1,000 Credit Limit is listed in our data as a no-deposit card for people with fair credit. The data shows a $1,000 limit, if approved, and a 35.9% APR, and it lists no rewards.
The easiest way to judge it is against the smaller Destiny® offer in our data. The extra $300 of limit costs $75 more in year one and $131 more in year two. Ask yourself whether you would use that room. If a $700 limit would do, the cheaper card does the same job.
What it costs over two years
The Annual percentage rate: the yearly cost of carrying a balance, including interest. only matters if you carry a balance. These fees apply even if you do not.
| Fee | Year 1 | Year 2 |
|---|---|---|
| Annual fee | $250 | $99 |
| Monthly fees for the year | $0 | $231 |
| Total before interest | $250 | $330 |
Interest and penalty fees are not included. The monthly fee is listed at $19.25 from year two. If the first-year fee is charged at opening, roughly $750 of the limit is left to use.
Pros and cons
What works
- No security deposit to find
- The listed limit is higher than the $700 Destiny® offer, if approved
- A larger limit makes it easier to keep your balance small relative to it
What to weigh
- The first-year fee uses a quarter of the limit
- Required fees rise by $80 in year two once the monthly fee begins
- No cash back or other rewards are listed to soften the cost
- Using the spare limit on a 35.9% APR gets costly if you cannot pay it off
Who it suits
A reasonable fit if
- You need a bigger limit and have no cash for a deposit
- You will use only a small share of the limit and pay it off each month
- You will review the card after a year, before the larger fees build up
Look elsewhere if
- A $700 limit would meet your needs
- You can afford the deposit on a secured card
- You expect to carry balances from month to month
Opens the advertiser's site.
How it works
- Start with the numbers on your offer
The limit, fees and APR shown to you decide what you pay, even if they differ from this page.
- Check how the first fee is billed
If it is charged to the account at opening, your usable credit starts lower than $1,000.
- Spend a fraction of the limit
A big limit is not a reason to spend more. Pay by the due date and decide about keeping the card around month 12.
Questions people ask
When does this beat the $700 version?
Do I have to put down a deposit?
Can the first-year fee eat into my credit line?
When should I decide whether to keep it?
Is the larger limit worth $580?
If you need the room and can carry the two-year cost, read the issuer's complete terms before you apply.
Advertisement. Checkngocash does not issue the Destiny® Mastercard® with $1,000 Credit Limit and has no say in who is approved. We may earn a commission when you click through or apply. The card issuer sets the limit, fees and APR on your account. The figures here come from offer data that has not been confirmed with the advertiser, so what you are shown may differ.