Savvy Card Choice is an independent publisher and is not affiliated with or endorsed by Destiny Mastercard®, Concora Credit, Mastercard, or The Bank of Missouri.
Savvy Card Choice is an independent publisher dedicated to connecting people with limited or poor credit history to the Destiny® Mastercard®.
SavvyCard (savvycardchoice.com) is an independent publisher. We feature the Destiny® Mastercard® — a credit card issued by The Bank of Missouri and serviced by Concora Credit Inc. — because we believe it offers genuine value to people who are working to build or rebuild their access to credit.
We created this website with one purpose: to make it as easy as possible for people with less-than-perfect credit to learn about the Destiny® Mastercard® and take the first step toward applying.
We are not a bank, a lender, or a credit card issuer. We are an independent affiliate that earns a commission when a visitor applies and is approved for the Destiny® Mastercard® through our website. All credit decisions are made solely by The Bank of Missouri.
Millions of Americans are locked out of traditional credit products because of a rough financial patch, a past bankruptcy, or simply a limited credit history. We believe everyone deserves a real path forward.
The Destiny® Mastercard® reports to all three major credit bureaus every month, which means every on-time payment is a step toward a stronger credit profile. Our mission is to connect people who need this opportunity with the card that can provide it.
We are upfront about our affiliate relationship and how we earn compensation. No hidden agendas.
We focus on products that open doors for people who have been turned away by traditional lenders.
We link directly to official card terms and never misrepresent rates, fees, or approval odds.
Here's exactly how SavvyCard works and how we fit into your journey to the Destiny® Mastercard®.
You land on savvycardchoice.com and learn about the Destiny® Mastercard® — its features, benefits, and what it could mean for your credit journey.
When you click any of our "Apply" buttons, you are redirected to the official Destiny® Mastercard® application hosted by Concora Credit Inc. We do not collect or process your personal or financial information.
All credit decisions are made entirely by The Bank of Missouri. SavvyCard has no involvement in approval decisions, credit limits, or card terms.
If you complete a qualifying action through our links, we may receive compensation through our affiliate network. This is how we fund our website and keep it running — at no additional cost to you.
We chose to feature the Destiny® Mastercard® because it offers meaningful features for people who are working to build their credit:
No security deposit required. Unlike secured cards, you don't need to put money down to get started.
Reports to all 3 major credit bureaus. Equifax, Experian, and TransUnion all receive monthly reports, giving you the best chance to build your credit profile.1
Nationwide Mastercard acceptance. Use your card anywhere Mastercard is accepted across the United States — in-store or online.
Zero Liability protection. You won't be held responsible for unauthorized charges on your account.2
1.5% Cashback Rewards. Earn cashback on every eligible purchase.5
SavvyCard is an independent publisher and is not affiliated with, endorsed by, or acting on behalf of Concora Credit Inc., The Bank of Missouri, or Mastercard International. The Destiny® Mastercard® is issued by The Bank of Missouri pursuant to a license from Mastercard and serviced by Concora Credit Inc. All card terms, rates, and features are subject to change. Please review the full terms and conditions before applying.
Have questions about this website or our affiliate relationship? We're happy to help.
Website: savvycardchoice.com
Email: support@savvycardchoice.com
For questions about your Destiny® Mastercard® account, application status, or card terms, please contact Concora Credit Inc. directly through destinycard.com.
Start your application for the Destiny® Mastercard® today. Checking your options won't affect your credit score if you're not approved.3
Apply Today1 The Destiny Mastercard reports your payment and account history to the three major credit bureaus. Credit reports reflect a variety of factors. Results may vary.
2 Zero Liability protection provided by Mastercard. Terms and conditions apply. Visit mastercard.us/zeroliability.
3 If you are approved, your new account and a credit inquiry will appear on your credit report. If your application is not approved, a hard inquiry will not appear on your credit report, which means your credit score will not be impacted.
5 Unlimited 1.5% Cashback Rewards on every eligible purchase. For complete terms, see destinycard.com/cashbackrewards/150.