Terms & Conditions

1. Affiliate Disclosure

The Destiny® Mastercard® is issued by The Bank of Missouri pursuant to a license from Mastercard and serviced by Concora Credit Inc. All credit decisions are made solely by the issuer. Savvy Card Choices may receive compensation when you click on links and are approved for a card through this site.

We make every effort to present accurate and up-to-date information about the Destiny® Mastercard®. However, all credit card terms are subject to change. Always review the full terms and conditions on the issuer's website at destinycard.com before applying.

2. Card Terms & Rates

The following rates and fees are provided for informational purposes only and are subject to change. Refer to the official Destiny® Mastercard® Cardholder Agreement for complete and current terms.

All fees are subject to change. The issuer reserves the right to modify terms with appropriate notice as required by applicable law.

3. Eligibility Requirements

To apply for the Destiny® Mastercard®, you must meet the following minimum requirements:

• Be at least 18 years of age
• Have a valid Social Security Number
• Have a valid physical U.S. address
• Access the application from a U.S. IP address
• Not have had a Destiny Mastercard® account that was charged off due to delinquency
• Meet additional credit qualification criteria, including a review of income, debt, and identity verification requirements

4. Credit Bureau Reporting¹

The Destiny Mastercard® reports your payment and account history to the three major credit bureaus — Equifax, Experian, and TransUnion — on a monthly basis.

Credit reports reflect a variety of factors in your credit history, including but not limited to:

• Payment patterns and on-time payment history
• Credit utilization
• Derogatory marks
• Account age
• Total number of accounts and inquiries

Not all factors are equally weighted. Responsible use and a consistent history of good standing and on-time payments are often key components of good credit and what lenders look at to determine whom they approve for credit. Results may vary by individual.

5. Zero Liability Protection²

The Destiny® Mastercard® includes Zero Liability protection provided by Mastercard. Cardholders will not be held responsible for unauthorized charges made on their account, subject to Mastercard's terms and conditions.

Zero Liability protection does not apply to:

• Transactions not processed by Mastercard
• ATM transactions or transactions using a PIN
• Commercial accounts
• Transactions where the cardholder has not exercised reasonable care in safeguarding their card

For complete terms, visit mastercard.us/zeroliability.

6. Cashback Rewards^*

Eligible Destiny® Mastercard® accounts may earn 1.5% Cashback Rewards on every eligible purchase.

• Cashback is earned on eligible net purchases (purchases minus returns/credits)
• Cash advances, balance transfers, fees, and interest charges do not qualify
• Rewards are subject to the terms of the Destiny® Mastercard® Rewards Program
• Rewards may be forfeited upon account closure or if the account is in default

For complete cashback rewards terms and conditions, visit destinycard.com. Not all cardholders may be eligible for cashback rewards.

7. Credit Score & Applications⁴

Apply with confidence. There is no impact to your credit score if you're not approved.

Here is how the application process works:

• 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.
• If you are approved, your new account and a credit inquiry will appear on your credit report.

Checking your eligibility or pre-qualification options does not constitute a formal application and will not affect your credit score.

8. Website Use

By accessing and using savvycardchoice.com, you agree to these Terms & Conditions. This website is provided for informational purposes to help consumers learn about the Destiny® Mastercard® and related products.

You agree not to:

• Use the site for any unlawful purpose
• Attempt to gain unauthorized access to any portion of the site
• Reproduce or redistribute any content without prior written permission
• Use automated tools to scrape or collect information from the site

We reserve the right to modify, suspend, or discontinue any aspect of this website at any time without notice. All content on this site is provided "as is" without warranty of any kind.

9. Privacy

Savvy Card Choices is committed to protecting your privacy. When you visit this website, we may collect certain information such as browser type, IP address, and pages visited for analytical purposes.

We do not sell your personal information to third parties. Any information you submit through the application process is handled directly by Concora Credit Inc. and The Bank of Missouri in accordance with their privacy policies.

This site may use cookies and tracking technologies, including Google Tag Manager, to improve user experience and measure site performance. By using this site, you consent to the use of such technologies.

For full details, see our Privacy Policy.

10. Contact

For questions about this website or these Terms & Conditions, contact Savvy Card Choices at: