{"card":{"slug":"destiny-mastercard","name":"Destiny Mastercard","issuer":"concora","currency":"Cash Back"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://www.destinycard.com/","history":[{"date":"2023-01","bonus":0,"spend":0,"months":0},{"date":"2026-06","bonus":0,"spend":0,"months":0,"note":"No welcome bonus; fee structure assigned at approval"},{"date":"2026-10-12","observedOn":"2026-10-12","bonus":0,"spend":0,"months":0,"note":"No welcome bonus; annual fee $0 to $250 first year by offer","sourceUrl":"https://files.consumerfinance.gov/a/assets/credit-card-agreements/pdf/Q22026/BANK_OF_MISSOURI_THE/Destiny_Mastercard_Cardholder_Agreement_232-540198.pdf","sourceLabel":"Destiny Mastercard cardholder agreements, CFPB Q2 2026 filing (The Bank of Missouri)"}],"verificationEvents":[{"id":"12aaafae-1263-4034-a164-7dcfce32cecb","entityType":"card","slug":"destiny-mastercard","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:15.118Z","sourceUrl":"https://www.destinycard.com/","sourceLabel":"Destiny Mastercard site","outcome":"unavailable","summary":"Official site returns Akamai 403; record left unchanged","changedFields":[],"previousHash":"8bdac9cedbaff7a697fe83e0bf4dc2138a1f9dc05881a61bf5e6c377ad770707","recordHash":"70b8eff12c0e84e99f4cc683207c1929af4bf81c6eb670ff19ff923dec5e9dd6"},{"id":"a8dd577e-d113-4b42-923b-0dd422aaee6a","entityType":"card","slug":"destiny-mastercard","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:32:58.057Z","sourceUrl":"https://files.consumerfinance.gov/a/assets/credit-card-agreements/pdf/Q22026/BANK_OF_MISSOURI_THE/Destiny_Mastercard_Cardholder_Agreement_232-540198.pdf","sourceLabel":"Destiny Mastercard cardholder agreements, CFPB Q2 2026 filing (The Bank of Missouri)","outcome":"changed","summary":"Agreements show offers from no annual fee to $250 first year then $99 plus $231/yr monthly fees; 1% FTF; 35.9% APR","changedFields":["annualFee"],"facts":{"annualFee":250,"foreignTransactionFee":1},"previousHash":"63c5d0bbb657d584fedae06be1a610a68df09078547d413815f72320d30d41a8","recordHash":"f5b7d6ea5b6451ea2d06aa52c3bfd193f1d177782295ac577e62abe924e386f5"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}