Building Credit

Key Features

Annual Fee	$175.00
Sign-up Bonus	No signup bonus
Rewards Rate	No rewards program
Regular APR	Annual Percentage Rate (APR) for Purchases 35.9% APR for Cash Advances 35.9%
Other Fees	Monthly Fee $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month) Annual Fee $175 the first year; $49 thereafter Cash Advance Fee $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100) Foreign Transaction Fee 1% of each transaction in U.S. dollars Late Payment Fee Up to $41 Overlimit Fee Up to $41 Returned Payment Fee Up to $41 Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. The monthly fee is $1.49 per $100, or part thereof, of the ending balance on your billing statement.
Network	Mastercard

Best for those with

Poor Credit

About this card

Overall Rating

Pros & Cons

What's great

Reports to credit bureaus for credit building

Things to consider

High annual fee
High monthly fee after the first year
Very high regular APR
No rewards
No sign-up bonus
Foreign transaction fees apply
Reduced initial credit limit due to upfront fees

What this card offers

Other features

Reports to all three credit bureaus
Mastercard is accepted at 40 million locations online, in app and in store
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.
How We Will Calculate Your Balance: We use a method called average daily balance (including new purchases). See the Cardholder Agreement for more details.
Credit Protection is an optional program that offers benefits for unforeseen events such as involuntary termination from employment, disability, loss of life and more.

Additional Notes

NOTICE: Some of these set up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you initially have available. Based on your initial credit limit of $700, your initial available credit will be only about $525.You may still reject this plan, provided that you have not yet used the account or paid a fee after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

Ratings

0

Destiny Mastercard®