$40 minimum monthly payment and $40 late fee. Apply for this card with no credit check if you're new to credit or have bad credit. But if you can pay $300 upfront for a secured deposit, you’ll find secured cards with no annual fee that can also help you build credit. I was approved with a 610 credit score and I had 2 old charged off credit cards from around 5 years ago. It requires a lot of formalities, and one needs to fill a lot of forms to get the same. Very happy :). Now i have a ding on my credit report. Seems they lag which could cause problems if I use it and then my utilization looks high. One of the cooler benefits of this card is that you won’t pay cash advance fees for your first year of card membership — a rare perk. At Finder, we value and respect our editorial independence. We may receive compensation from our partners for placement of their products or services. We’ll estimate your chances of approval based on your credit profile. Get Pre-Qualified. Karma said excellent odds.I got approved. I was denied with a 652 . Input your current credit card balance and interest rate to calculate your potential savings. Please call Member Support at (888) 882-9277 or email legal@creditkarma.com. Auto, homeowners, and renters insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748). While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. I applied with like a 630 or so, I got the card fast, the cash advance options are penalizing but you have to order a PIN separately. Plus with the Destiny Mastercard, you can prequalify without taking a hit on your credit and see which of the two annual fees you’ll pay before you apply for the card. I'm glad I'm able to raise my credit quicker now. This site may be compensated through third party advertisers. The Destiny Mastercard is an unsecured credit card for those with bad to fair credit. good card for someone who is trying to rebuild their credit, wish annual fee was lower but it makes sense since credit is really bad. I'm old school so I'm okay without them having an app. App Store is a service mark of Apple Inc. You can avoid paying an annual fee, however, with the right secured credit card. Pick something else if you want to build credit without paying an annual fee. not worth applying got a ding on credit report now. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines.