The Destiny Mastercard is issued by The Bank of Missouri under a license from Mastercard and serviced by Concora Credit Inc. These terms explain how the Cashback Rewards Program (“Program”) works. For complete terms, visit the official link. This Program is separate from your Cardholder Agreement, but is subject to the Arbitration section in that Agreement. By using your Account or Card, you agree to these terms. Key terms like “Account,” “Billing Cycle,” “Card,” “Cash Advance,” and “Purchase” have the same meaning as in your Cardholder Agreement.

Cashback Rewards

• Your Account earns cashback rewards automatically as a statement credit based on Eligible Net Purchases during the previous Billing Cycle.

• Eligible Net Purchases = Purchases minus returns, disputes, unauthorized or fraudulent purchases, or other credits.

• Rewards are shown on your Billing Statement as “Cashback Rewards”. A Rewards Credit is applied if the statement has at least one Eligible Net Purchase and a positive rewards balance.

• Rewards Credits reduce your balance but do not count as payments. Minimum Payment Due must still be paid. Rewards are not earned on Cash Advances or Fees.

• Earn unlimited 1.5% Cashback Rewards on all Eligible Net Purchases. Rewards are calculated at the end of each Billing Cycle: Eligible Net Purchases × 1.5% (0.015), rounded to nearest $0.01.

Fraud, Misuse, or Suspicious Activity

• If fraud, misuse, abuse, or suspicious activity is suspected, Destiny reserves the right to:

  • Apply security measures that may delay or cancel Rewards Credits;

  • Stop your Account from earning Rewards;

  • Suspend or close your Account; or

  • Pursue legal action to recover Rewards, losses, and damages.

Program Changes & Termination

• Terms may be revised at any time with 30 days written notice.

• The Program may be terminated with 30 days written notice.

Trademark Notice
Destiny is a registered trademark of Concora Credit Inc.