Destiny Mastercard: My Destiny credit card login, Payment, Customer Service

Important information about the Destiny Mastercard can be found in this article. Check how to manage your destiny credit card account? How to log in and pay your card bills? Check the benefits, features, and fee details of this card.

Destiny Credit Card

Genesis FS Card Service Inc offers different consumer credit solutions in the form of Direct-To-Consumer Credit Cards. It offers The Destiny™ Mastercard®, Indigo® Platinum Mastercard®, and Milestone® Gold Mastercard®. The Destiny Mastercard is issued by First Electronic Bank, Member FDIC.

Destiny Mastercard is a good choice for those types of consumers whose credit score is not that good and who want to improve their credit profile. If your credit score is low then you can apply for a Destiny credit card. Some of the important benefits and features of this credit card are mentioned below.

Features & Benefits

  • You can get this credit card if your credit score is very low.
  • Your transaction details will be reported to all three major credit bureaus.
  • Instantly get your pre-qualification result.
  • Get all the Mastercard benefits such as Fraud protection.
  • Customers can choose one from the different credit card designs.
  • It’s an unsecured card and there is no need to deposite any money.

Fee and charges

Fee CriteriaPLAT-201PLAT-209
Annual Fee$75 the first year; $99 thereafter$59 the first year, $59 thereafter
Cash Advance Fee$5 or 5% of the amount of each transaction, whichever is greater$5 or 5% of the amount of each transaction, whichever is greater
Foreign Transaction Fee1% of each transaction in U.S. dollars1% of each transaction in U.S. dollars
Late Payment FeeUp to $40Up to $40
Overlimit FeeUp to $40Up to $40
Returned payment feeUp to $40Up to $40
APR) for Purchases24.9%24.9%
APR for Cash Advances29.9%29.9%
Minimum Interest Charge$1.00$1.00


  • The credit limit is very low and no balance transfer option is available as of now.
  • There is no reward program available as of now.
  • There is a foreign transaction fee and the annual fee is also very high.
  • No facility to apply by phone and currently, there is no facility to increase the credit limit.

How to manage your Destiny credit card account?

Paying your credit card bill, managing your account online, check account summary are very easy and can be done easily after login into your Destiny credit account. There are a lot of facilities available especially for the customers who have registered an online account.

Some of the important services you can access online are given below

  • Access your Destiny card summary, account balance, due date, etc 24/7.
  • Pay your credit card bill online through your account and set up an AutoPay facility.
  • Manage important card-related alerts online.
  • Change your profile information such as your contact number, email id, etc.
  • Enroll in Paperless communication and get your account statement electronically every month in your inbox.

Destiny Credit Card login

In order to access all the above-mentioned services and many other extra features, you will have to login into your online Destiny credit account. The login steps are given below.

Step 1: Open the official Destiny Card website.

Step 2: Click the My Account link located at the top right corner of the homepage. A new account management page will appear on the next screen.

Destiny credit card login form

Step 3: In the login form enter your Username, Password, and click the Log-in button.

How to register a new account?

If you don’t have an online account and using the Destiny card then you can register yourself and open an online account to get all exclusive benefits. The registration process is very simple and straightforward.

Step 1: Open the official website and click the My Account link.

Step 2: A new window will appear on the screen where you will find a Register link below the login form and in the top menu. Click this Register link to start your registration process.

Step 3: A new registration form will appear on a new page (as shown below).

destiny card registration form

Enter your account number, date of birth, and social security number in this registration form and click the Next button. The system will verify your information.

Step 4: Once your information is verified you will be redirected to the next steps. You will have to make a new username and password for your account which will be used to login into your account every time.

How to recover lost Username and Password

You may recover your username and password both in case you forget. Please check the below steps.

Step 1: Open the Destiny credit account website.

Step 2: Click the Forgot Username & Password link located below the login form. A new page will appear on the screen where you will get options to recover your Password and Username.

1-Reset your password:

First, you will see a password reset form (as shown below).

Destiny password reset form

Enter your credit card-related information such as Username, the Last four digits of your account number, Social Security number, and date of birth. After that click the Submit button.

You will get an email on your registered email id including the instructions about how to reset your password. After that open your email id and click the password reset link. Once you click that link a new window will appear on the screen where you can create a new password for your account.

ii-Recover your username:

If you move down this page, you will see a Username recovery form (as shown below)

Destiny username recovery form

Enter your registered email address, the Last four digits of your account number, Social security number, and date of birth in this username recovery form. Click the Submit button to proceed further. You will receive an email including your username.

Note: In case you don’t remember your username and password both then you will have to recover your username first after that you can reset your password.

Also check,

How to apply for a new destiny Mastercard?

All new applicants can apply for a new Destiny Credit Card through the official website. There are two options to apply.

  • Check if you pre-qualify
  • Apply through a mail offer

Check if you pre-qualify

You may check if you are pre-qualify for a new Destiny credit card. The process is given below.

Step 1: Open the official website.

Step 2: Click the Pre-qualify link. A new online form will appear on the screen (as shown below).

Destiny card pre-qualify form

Step 3: Fill out this pre-qualification check form by entering your Name, Address, Email id, Phone Number, Date of birth, and Social Security Number.

Step 4: Click the Pre-Qualify Now button and see if you are pre-qualify for this credit card. If yes then you can submit an online application.

Apply through a mail offer

Destiny also shares emails with all eligible customers so that they can apply through the email invitation. If you have also received an email then you can apply with the help of the below steps.

Step 1: Open the official website and click the Received a Mail offer link under the Get Started menu item.

Step 2: On the next page, enter the Application code which you have received through the email invitation and ZIP code.

Destiny application form through email invitation

Step 3: Click the Get Started button and complete your online application process.

If an email has been sent to you but somehow you didn’t receive any email then you can manually search your application code through the below steps.

  • On the email invitation form, click the Find your code here link.
  • On the next page, enter your date of birth, SSN, and name.
  • Click the Find offer link to check your invitation code.

Note: Credit Card approval depends on many factors. Your application will be further reviewed and you will receive your Destiny Mastercard within 10 to 14 business after the approval of your online application.

How to activate a new Destiny Mastercard?

If you received your new Destiny Mastercard then you will have to activate it first. Before activation, you will not be able to make any transaction. The activation process is given below.

  • Open the official account management page.
  • Click the Activate your card link located below the Login form.
  • On the next page, you will have to login into your Destiny account. If you don’t have a Destiny account then you will have to register first.
  • Enter your login credentials and log in.
  • On the next page enter your card information and activate your new credit card.

Destiny credit card payment

All customers can make an online payment by logging into their online Destiny account. Customers can make the online payment by 5 pm to be credited into their account on the same day.

There are multiple payment options available such as:

  • Online payment
    Check more details below.
  • Payment through Phone call
    You may call the Customer Service number and pay your credit card bill. Please keep your checking or saving account information ready.
  • Payment through MoneyGram
    Find your nearest MoneyGram location at and use the Company Name: Genesis FS Card Services and Receive Code: 4911.
  • Payment through Mail
    You may send a check or money order at the Payment address: “Genesis FS Card Services | PO Box 23030 Columbus, GA | 31902-3030”.

Online payment:

  • Open the official website and log in by using your username and password.
  • After login, visit the payment section.
  • Enter the payment information such as the minimum amount, full statement payment, or custom amount.
  • Enter your saving or checking account information.
  • Review all the entered information and complete the payment process.

Destiny Mastercard Customer Service

In case of any type of issues or you are looking for any specific information related to your Destiny credit card then you can contact through the below mentioned Customer Service details.

Phone Number1-844-222-5695
Correspondence AddressGenesis FS Card Services | PO Box 4477 Beaverton, OR 97076-4477
Fax Number(888) 325-4717
Lost or stolen card1-888-260-4532
Official website
Destiny card pre-qualify page
Email invitation application page
Search email invitation code
Destiny card faq page
Destiny credit account management page
Destiny credit card Sign in page
Username & Password reset page
New account registration page
Credit card activation page


Name of Credit CardIndigo MasterCard
Issued byFirst Electronic Bank
Serviced byGenesis FS Card Services, Inc
Credit card network providerMastercard
BeneficiaryAll Destiny Cardholders
Who can applyAll eligible applicants


What is the credit limit of Destiny Mastercard?

Destiny Mastercard comes with an initial $300 credit line and your credit limit will be reviewed and increased automatically if you maintain a good repayment history every month.

I have lost my credit card?

If somehow you lost your credit card then contact immediately at 1-888-260-4532.

How to use the cash advance feature?

If you have approved for the Destiny Mastercard then you can use the cash advance service. A PIN is required to withdraw the cash from ATM. You will have to request a PIN through Mail by calling customer service if you want to use the cash advance feature.

How to download the destiny credit card app?

Currently, there is no Destiny app available for the credit card account. You will have to log in to the online website by using any web browser if you want to manage your account.


I hope you enjoyed this article. I have shared everything about the Destiny Mastercard in this article. This card is a great option to increase the credit score of customers having a very low credit profile. There are other good options available for example Fortiva credit cardAvant credit cardIndigo credit card, etc.

These cards are almost similar except few facilities. Fortiva credit card is a good option for those who need a cashback card as Fortiva offers 3% reward points on eligible purchases.

Fortiva credit card provides a balance transfer facility, and an automatic credit line increase facility. Fortiva and Avant also offer a mobile app for convenient account management. Avant offers a $0 foreign transaction fee and an automatic credit line increase facility.

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