Destiny Credit Card $700 Credit Limit: What You Need to Know

A $700 credit limit on the Destiny credit card sounds pretty good, right? If you're working with less-than-perfect credit or just starting to rebuild, this amount can feel like a breath of fresh air compared to the tiny limits you find on some starter cards. But there's more to it than just a number.

The Destiny card is meant for folks who have run into credit bumps or simply want a way back into the credit game. It isn’t a secured card, so you won’t need to put down a deposit. Instead, you just get approved—if you meet their requirements—and they hand you that $700 starting limit. For many, this can make a real difference when you need to cover an emergency or keep your credit utilization in check.

But here's something a lot of people miss: that credit limit is fixed based on your application details, and you won’t see automatic increases any time soon. So you need to be smart about using it. If you’re eyeing this card because you want some breathing room but don’t want to get in over your head, you’ll want to read the fine print on rates and fees.

• How the Destiny $700 Limit Works
• Eligibility and Application Tips
• Fees, Rates, and Fine Print
• Maximizing the Destiny Card for Your Credit

How the Destiny $700 Limit Works

The Destiny credit card offers a $700 credit limit to people with average or below-average credit. This is an unsecured card, which means you don’t need to pay any deposit up front. You apply, get approved, and—if you meet their requirements—they set your starting credit line at $700. You can’t request a higher limit on the spot, and there’s no automatic credit line increases down the road with Destiny. What you’re given is what you keep, at least for now.

Most cards aimed at credit rebuilders hand out $300 or even just $200 credit limits. The Destiny card’s $700 offer is a notch higher, helping you keep your credit utilization rate lower—if you manage your balance right. Less utilization can mean a better credit score over time. According to the folks at WalletHub, “Keeping your credit card utilization below 30% is a key step to improving your score.”

"Destiny’s $700 limit is higher than the average starter credit card, letting users make everyday purchases without maxing out in one or two transactions." - CreditCards.com review, April 2025

Keep this in mind: Destiny decides who gets the $700 based on credit history, income, and other factors you enter on the application. They don’t publicize their exact formula, but reviews suggest that prior bankruptcies or lots of recent late payments could mean you get denied or offered a lower limit.

Here’s a quick side-by-side look at typical starter card credit limits versus the Destiny card:

Don’t expect flexibility after you’re approved. That $700 is set for a while—no increases for good behavior. Use it wisely so you look responsible on your credit reports. The easiest way? Never carry a balance over $200 at any time, and always pay on time.

Eligibility and Application Tips

The Destiny credit card isn’t for everyone, but it’s actually easier to qualify for than many big-name cards. They target people who have average, fair, or even poor credit. If your score is somewhere between 550 and 670, you’ve got a shot. Unlike secured cards, there’s no deposit—this is one of the main draws.

Here’s what Destiny looks for when you apply:

• You need to be at least 18 years old, or 19 if you live in Alabama or Nebraska.
• You must have a valid Social Security Number.
• A checking account or some form of income is required, so they know you can pay your bills.
• You shouldn’t have any active bankruptcies on your credit report.

Before you jump in, Destiny actually offers a pre-qualification process that won’t hurt your credit score. They run a soft pull, so you can see if you’d likely get approved before sending in a full application. That way, you avoid adding a hard inquiry if your chances are slim.

Want to boost your odds? Double-check your credit report for mistakes before you apply. If you spot anything weird, get it fixed. Also, don’t apply for a bunch of other cards right before this one—multiple recent applications can make you look risky to lenders. And be honest about your info. If anything doesn’t match up, Destiny could deny you even if everything else checks out.

One last tip: If you get a mail offer or a code, use it. Sometimes these invites mean Destiny is actively looking for people like you, which can boost your chances of snagging that Destiny credit card with the $700 limit.

Fees, Rates, and Fine Print

Before applying for the Destiny credit card with a $700 limit, check the money talk—this card doesn’t cut you any slack on fees and rates. There’s an annual fee. As of 2025, most folks get charged between $59 and $99 per year. Plus, there’s usually a one-time processing fee of $95 just to open the account, so be ready for that to show up on your first bill.

Interest rates are on the higher side. The APR hovers around 35.9%. Basically, you don’t want to carry a balance month to month on this card — the interest adds up fast. If you ever need a cash advance, expect a fee of either $5 or 5% of the transaction (whichever’s greater), and interest kicks in right away.

Here’s a quick breakdown of Destiny’s typical fee and rate structure:

Another thing that gets people: there’s no grace period for cash advances. The second you take out cash, the interest starts rolling. If you’re late on a payment, not only is there a hefty late fee (up to $41), but it can also hit your credit score—something nobody rebuilding credit wants. Destiny also doesn’t offer balance transfers, so you can’t use this card to shuffle debt around for savings.

Pro tip: If you want to avoid headaches, set up autopay and keep your purchases well below your credit limit. This way, you skip late fees, keep your score healthy, and dodge those sky-high interest charges.

Maximizing the Destiny Card for Your Credit

This is where having the Destiny card can really pay off. You’ve got a $700 limit, which is a decent chunk compared to many beginner cards. But to make this work for your credit, you need a strategy—just swiping and hoping won’t cut it.

The magic words? Keep your credit utilization low. That means not running up the balance close to your limit. Experts usually recommend staying under 30% of your available credit. With $700, that’s about $210. Going higher than that can drag your credit score down, even if you’re paying on time.

Always pay at least the minimum, but go for the full balance if you can. Paying in full dodges interest, and you’ll keep your Destiny credit card looking good to the credit bureaus. Remember, Destiny reports to all three major bureaus (Experian, Equifax, and TransUnion). Each on-time payment gets you one step closer to a stronger score.

• Set up autopay to avoid late fees—Destiny’s late fee hits up to $41, which stings when your goal is saving money.
• Don’t apply for a bunch of cards at once; each hard inquiry can knock a few points off your score.
• Check your statement dates and try to pay before your billing period ends to show a low balance when Destiny reports to bureaus.

A lot of folks ask: “Will Destiny raise my limit if I use the card wisely?” The short answer is no—their $700 limit is usually fixed unless you get a special offer. So focus on what you can control: payment habits and balance management.

If you’re interested in how your numbers stack up, check out how using different chunks of your limit could affect your score:

Using the Destiny card wisely gets you closer to an upgrade later with bigger banks. Just remember, it’s all about good habits. Don’t max the card out, pay every month, and keep your eye on your credit reports. It doesn’t get more practical than that.