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The unfortunate thing about credit is that it can be hard to build, but very easy to damage — that, and it's an ongoing, moving target. If you've fallen below your desired credit, no need to despair! A Second Chance Mastercard® credit card from Destinations Credit Union can help get you back on track.

  • Rebuild your credit while also building your financial knowledge
  • Free credit counseling required, offered through Operation HOPE Inside, including:
    • Review of your credit report
    • Counseling on various ways to improve your credit rating
  • $200 credit limit to start, with increasing limits as you build your credit
  • Competitively low rates with potential to lower as your build your credit
    • Based on your actual credit score at the time of application
  • No annual fee
  • 25-day grace period on purchases
  • No balance transfer fees — consolidate higher-rate balances
  • Make purchases online or in-store virtually anytime, anywhere
  • Meet financial needs immediately as they arise
  • Easily access and track transactions online via online banking
  • Easily replaced if lost or stolen
  • Monitor your transactions with MobiMoney

For full disclosures, please click on "Mastercard Disclosures" below.

Current Cardholders: For a copy of your full Mastercard® agreement, please call 410-663-2500 or e-mail [email protected] to request a copy.

Extra Protection for Online Shopping

Your Mastercard® Credit Card is protected by eGuard.  eGuard is a sophisticated fraud model and you are automatically enrolled.  If there is a transaction that is deemed suspicious, you will receive a text message from short code 732-873.  You will authenticate the transaction via text message. 

If there are no phone numbers on file, then eGuard will present Knowledge Based Questions for you to answer during the checkout process. Example Knowledge Based Questions are Mother’s Maiden Name, Date Of Birth, and Zip Code.

Need to activate your card?

Simply dial 1-800-543-5073 from your home telephone 24/7. You will be asked for the card number and the last four digits of your social security number.

*Interest rates subject to change without notice.

Compare & Save!

The easiest way to compare credit cards is by looking at the "Fed Box" disclosure below. We think if you compare, you'll see what a great card we have!

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases, Cash Advances or Balance Transfers

9.5% - 19.5%

when you open your account, based on your creditworthiness

Other APRs None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance within 25 days of the closing date of the statement.
Minimum Interest Charge None
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau.


Annual Fee None
Transaction Fees None
Foreign Transaction Fee 1% of transaction amount

Penalty Fees

Late Payment Fee $25.00 or the amount of the require minimum payment, whichever is less.
Returned Payment Fee $25.00 or the amount of the require minimum payment, whichever is less.

Other Disclosures

Card Replacement Fee $5.00
Cash Advance Fee $10.00 for electronic cash advance (from online banking, ATM, mobile banking, etc.).
Cash Advance Fee $15.00 for any over-the-counter cash advance.

How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)." See your account Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.

Note: The information about the costs of the card described in this application is accurate as of January 1, 2017.