The Secured Chime Credit Builder Visa® Credit Card has no annual fee or interest rate. Secured Chime Credit Builder Visa® Credit Card Cardmembers also receive Mastercard benefits like lost wallet assistance, emergency card replacement and an Airport Concierge Discount where you get 15% off airport meet-and-greet services when traveling. Unlike the Destiny Credit Card, the Avant card never charges overlimit fees. The Avant Credit Card is also geared toward people looking to rebuild their credit and has an annual fee that ranges from $0 to $59.The card reports payments to the three major credit bureaus and doesn’t require a deposit. No Rewards: You won’t earn any cash back or points on your card purchases.This means if you receive a credit limit of $300, your initial credit limit will be $125 after the $175 first year’s annual fee is deducted if you are approved for the worst version of the card. Low Credit Limits: This credit card has a lower starting credit limit than other cards and your annual fee is deducted from your credit limit.Some versions of the card also charge a $12.50 monthly fee after the first year. Other Fees: This card charges a late fee and overlimit fee of up to $41 each as well as a 1% fee for foreign transactions.High APR: The version of the Destiny Mastercard® – $700 Credit Limit you receive will determine your APR, but all options are high.The lowest-cost version has a $39 annual fee and the most expensive version costs $175 for the first year and $49 for each year thereafter. While each has an annual fee, the fee you pay will depend on the version you receive which is based on creditworthiness. Annual Fee: There are several versions of the Destiny credit cards.Autopay: Card users can easily set up autopay online to avoid late or missed paymentsĭrawbacks of the Destiny Mastercard® – $700 Credit Limit.Zero Liability Protection: You’re not held responsible for unauthorized charges made with your Destiny Mastercard.Mastercard ID Theft Protection: Mastercard provides identity monitoring to prevent identity theft by monitoring the use of your social security number, email addresses, usernames and passwords, and more.With the Destiny Mastercard, you won’t have to worry about this additional charge.
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