How to Activate the Destiny Card + Destiny Credit Card FAQs

If you’re trying to use your Destiny credit card first you’ll have to activate it. Luckily you’ll find that the activation process is quick and it can be done by visiting or by calling to activate your card over the phone.


Continue reading below for my step-by-step guide so that you can get your new credit card activated and begin using it right away.

In addition to my card activation guide I have also covered a bunch of common FAQs for current and prospective cardholders.


How to Activate Your Destiny Credit Card?

After applying for the Destiny credit card and being approved you’ll have to wait for your card to arrive in the mail. Once you have your credit card in hand you can either activate it online or over the phone by calling the number found on the sticker on the front or you can also call the number found on the back of your credit card.

Once activated you will be able to use your new credit card immediately.



Option 1: Activate Your Destiny Credit Card Online

Online activation is the easiest and quickest method for getting your card ready for use and it also allows you to get signed up for the Destiny card online portal where you can manage your entire account quickly and easily by setting up notifications, arranging paperless statements, making payments, viewing account activity and much more!

Just visit to begin the process. Here you will need to click the “Register Your Account” button to begin the process.

On the next page you will need to enter your full credit card number, date of birth and social security number and click the “Continue to Next Step” button.

In the next step you will be required to create a username and password for online portal access.

Once this final is completed submit the form and your card will be activated and ready for use.

Note: If for some reason your card is not working after these steps you should reach out to the card issuer Genesis by calling the number found on the back of your Destiny credit card.


Option 2: Activate Your Destiny Credit Card Over the Phone

If you prefer to make a phone call to activate your credit card the process is just as simple, although you will still need to go online later if you have any interest in managing your card activity online.


Just call the number found on the sticker on the front of your new credit card or you can also call the number found on the back of your card.

From there follow the simple automated prompts and provide the requested information (card number, date of birth and social security number).

Once you provide the requested information the automated system will activate your credit card and you’ll be able to use it immediately.


Destiny Credit Card FAQs

The Destiny credit card is an unsecured credit card that is great for individuals with limited credit or bad credit. First Electronic Bank issues the cards and cardholders credit limit can be up to $300 which is rather low for a credit card. This does however offer a great opportunity for someone with bad credit to begin rebuilding their credit score.

You can use your Destiny card for in-store and online purchases wherever Mastercard is accepted.

Where Can I Apply for the Destiny Credit Card?

Go to and click on pre-qualify to see if you are eligible for the Destiny Card.  It only takes a few minutes to see your offers and find the best option for you. The Destiny credit card will help you build your credit if you use it regularly and make on-time payments.

If you received a pre-qualification letter in the mail you can visit to fill out a shorter application with your application code.


Does the Destiny Credit Card Have an Annual Fee?

The annual fee for the Destiny credit card is $75 for the first year and $99 each year after that


How Do I Register My Destiny Card Account for Online Access?

When you go to, you can click the My Account link in the upper right. From there, click on Register Your Account and then you can enter your full credit card number, birth date, and social security number. Click continue to the next step and follow the rest of the instructions, including creating a username and password along with verifying your email.

How Do I Access the Destiny Credit Card Online Account?

You visit the customer portal at or in order to access our online account.


How Do I Activate My Destiny Mastercard?

You can either activate your Destiny credit card online at or You can also call the number on the back and follow the prompts for your Destiny Mastercard activation.


How Do I Make a DestinyCard Payment Online?

Login at and navigate through your account to find the payment options. You can schedule recurring payments with autopay or make a one-time payment.


How Do I Make a Payment on my DestinyCard by Phone?

Call that number listed on the back of your credit card and follow the steps from the automated system to complete your payment by phone.


How Do I Contact Destiny Mastercard Support?

Reach out to the following if you need help with your Destiny Mastercard.

  • General Support:   1-844-222-5695
  • Application Status: 1-800-583-5698
  • Technical Support:  1-800-705-5144


Destiny Credit Card Alternatives

The Indigo credit card is an excellent alternative to the Destiny card. It offers the same annual fee and is targeted to similar individuals that are looking to responsibly rebuild their credit.

The Milestone credit card is also an excellent alternative to the Destiny card. It offers a similar annual fee structure and is targeted to similar types of people that are looking to responsibly rebuild their credit or establish new credit.

Another great option is the Capital One Platinum credit card which is again for those that have lower FICO scores.



It is fast and easy to pre-qualify for this unsecured credit card on behalf of Concora. By making on-time payments, especially within the first several months, you can build your credit and receive an increase in your limit. You can also use your Destiny credit card wherever Mastercard is accepted. The customer portal is a convenient way for cardholders to access their accounts 24/7 from any device. You can set up alerts, arrange for paperless statements, view transactions, and make online payments. Both autopay with recurring payments and one-time payments are available online.