Quick answer: The Destiny Mastercard is issued by First Electronic Bank, Member FDIC, and serviced by Concora Credit. Manage your account at destinycard.com. US customer service is 1-800-583-5698, generally 6:00am to 6:00pm Pacific, Monday to Friday.
Last verified: 10 September 2026. The issuer, the servicer, the account portal and the customer service number were checked on this date. Card terms are set by the issuer and can change without notice — confirm anything specific to your account with the issuer directly.
A Correction to an Earlier Version of This Page
An earlier version of this article stated that the Destiny Mastercard was issued by First National Bank of Omaha. That was wrong. The card is issued by First Electronic Bank and serviced by Concora Credit. If you were trying to reach the wrong bank about your account, that is why you got nowhere.
Destiny Mastercard Card at a Glance
| Detail | What to know |
|---|---|
| Card issuer | First Electronic Bank, Member FDIC |
| Servicer | Concora Credit Inc. |
| Account portal | destinycard.com |
| Customer service | 1-800-583-5698 (approx. 6am–6pm Pacific, Mon–Fri) |
| Network | Mastercard |
| Who it is aimed at | People building or rebuilding credit |
What the Destiny Mastercard Is For
The Destiny Mastercard is an unsecured card aimed at applicants with limited or damaged credit histories, who may not qualify for mainstream cards. Cards in this category typically carry an annual fee and a high variable interest rate, which is the trade-off for approval with a thin or impaired file.
Two things are worth being clear-eyed about before applying or while holding one. First, the fees and rate are set out in your cardholder agreement, and they matter far more than any marketing around the card — read them. Second, the card only helps your credit if it is used lightly and paid in full and on time; a maxed-out card at a high rate does the opposite. Our guides on building a good credit history and improving your credit score cover how that works.
How to Log In and Manage Your Account
Registering for Online Access
- Go to destinycard.com and choose to register or set up online access.
- Enter your account number and the identifying details requested, typically your date of birth, the last four digits of your Social Security number and your ZIP code.
- Create a username and password and set your security questions.
- Confirm your email address so statements and alerts reach you.
Signing In
- Open destinycard.com.
- Enter your username and password.
- Complete the one-time passcode step if you are prompted for one.
Login Problems and How to Fix Them
- Details rejected: they must match exactly what the bank holds. An old ZIP code from a previous address is the most common mismatch.
- Forgot username or password: use the recovery links beneath the sign-in form and complete the verification steps.
- Account locked: repeated failed attempts lock access, and this cannot be reset from the login page. Call the number on the back of your card.
- Page will not load: clear cache and cookies, try another browser, and switch off any VPN — banking portals routinely block VPN traffic.
How to Pay Your Bill
- Online: sign in at destinycard.com and use the payment option on your dashboard. Setting autopay to the full statement balance prevents late fees and interest together.
- By phone: call 1-800-583-5698 and follow the prompts, with your account and bank details ready.
- By mail: send a cheque or money order — never cash — with your account number on it, to the remittance address printed on your current statement. Addresses change, so do not reuse one from an old bill or another website. Allow seven to ten days.
Make Sure You Are on the Real Login Page
- Type the address yourself. Reach destinycard.com from your own bookmark or the address bar, not from a link in an email, text or advertisement.
- Never share a one-time passcode, your full card number or your password with anyone who contacted you. Hang up and call the number on your card.
- No legitimate lender collects by gift card, wire transfer or payment app. That tell identifies a scam on its own.
- Avoid signing in on public Wi-Fi — see our guide on whether a Wi-Fi network is secure, and our safe online shopping guide.
Frequently Asked Questions
Who issues the Destiny Mastercard?
First Electronic Bank, Member FDIC, issues the card, and Concora Credit services it. It is not issued by First National Bank of Omaha.
Where do I log in to my Destiny card?
At destinycard.com.
What is the Destiny Mastercard customer service number?
1-800-583-5698, generally 6:00am to 6:00pm Pacific, Monday to Friday. Always prefer the number printed on the back of your own card.
Is the Destiny card good for rebuilding credit?
It is aimed at that market, but cards in this category usually carry an annual fee and a high variable rate. It helps only if the balance is kept low and paid on time.
Does closing the store change my balance?
No. Any balance on a credit card remains payable to the issuing bank regardless of what happens to a retailer or brand.
Conclusion
The Destiny Mastercard is issued by First Electronic Bank and serviced by Concora Credit, managed at destinycard.com on 1-800-583-5698. If you are using it to rebuild credit, keep the balance low, pay in full and on time, and read the fee schedule in your agreement rather than relying on any summary.
Managing other store cards? See our guides to the TJ Maxx credit card, the Old Navy credit card and the Gap credit card. You may also find our guide to the Walmart Credit Card: Registration, Login, Payment & Customer Service useful.
Not the card you were looking for? Our store credit card login guide lists the issuing bank, login portal and customer service number for twelve major store cards in one table.
