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Home Credit Cards Reviews Mission Lane Visa®

Mission Lane Visa® Credit Card 2025 Review: An Unsecured Card With No Major Surprises

Written by Jessica Norris

Reviewed by Kari Dearie

Updated Dec 6, 2022

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

Mission Lane Visa®

Mission Lane Credit Card Apply Now

on Mission Lane's secure site

Rates & Fees
3.2
Rating Breakdown
Fees
3.7

In the best-case scenario, you can get a $0 annual fee offer for the card, though some applicants will be charged $59; most of the other fees are fairly standard.

APR
2.4

The Mission Lane Visa® has potentially very high APRs for both purchases and cash advances, which could make it expensive to keep a balance on this card.

Rewards
1.0

This card won’t reward you for your purchases, so it gets the lowest possible score in this category.

Credit Reporting
5.0

Because this card reports to all three of the major credit bureaus, it’s a solid choice for building or rebuilding your credit.

Credit Limit
2.5

You can get a credit limit of at least $300 with the Mission Lane Visa®, but they don’t specify how high their credit limits go or make any concrete promises about increasing your limit.

Other

We slightly boosted this card’s score because of the good accessibility it offers, and because credit limit increases are available.

Our FinanceJar Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. Our scores are generated by a rubric and our reviews adhere to a strict editorial process. Learn more about how we rate credit cards.

Annual Fee

$0–$75

Credit Score

300–669

Purchase APR

19.99%–29.99% (variable)

At a Glance

The Mission Lane Visa® is an unsecured credit card for bad credit holders. Depending on the offer they give you, it may or may not be worth getting, as the annual fee can range from $0–$59.

Mission Lane Visa® Review

The Mission Lane Visa® is an unsecured credit card for people who want to improve their credit or establish a borrowing history. For this type of card, it’s fairly standard in most respects, but here are the major considerations to keep in mind:

  • It might be expensive: Annual fees on the Mission Lane Visa® are $0–$59, and the purchase APR is 19.99%–29.99% (variable). If you get an offer at the higher end of these two scales, this card could be expensive, especially if you carry a balance.
  • Credit limit: To start with, the Mission Lane Visa® gives you a credit limit of $300 or more. They don’t specify how high their credit limits go, but they do say you can get reviewed for credit limit increases after 12 months at most.
  • It’s good for credit building: This card reports to all three major credit bureaus and gives free credit scores to help you monitor your credit-building progress.
  • You’ll get a hard inquiry when you apply: Mission Lane’s prequalification process won’t hurt your credit at all. But if you then go on to formally apply, you’ll trigger a hard inquiry (when you select “Get my answer”), causing your credit score to drop slightly.

The Mission Lane Visa® allows you to prequalify without affecting your credit score, so it’s worth doing this to find out what kind of interest rates and fees Mission Lane will offer you. It’ll then be easier to tell whether it’s worth your while to apply for this card.

Pros & Cons

Pros:

  • No security deposit required
  • Credit limit increases available within 12 months
  • Foreign transactions and cash advances available
  • Credit reporting to all three major credit bureaus
  • Quick application

Cons:

  • High APR
  • Annual fee may apply
  • No rewards
  • No balance transfers

Who Is the Mission Lane Visa® For?

  • Applicants who want fast approval: The Mission Lane Visa® website claims you can get an instant decision when you apply for the card, so you won’t need to wait around to find out whether you qualify.
  • Holders of bad credit or no credit: The Mission Lane Visa® works well for building or rebuilding credit, as it reports to all three major credit bureaus. It also gives you free access to your credit score so that you can see your progress as you work toward better credit.

If neither of these descriptions applies to you, see if any of these alternatives might be a better fit:

  • Credit cards for bad credit
  • Unsecured credit cards for bad credit
  • Credit cards for no credit
  • Secured credit cards

Rates & Fees

Fees

Fees:

(3.7/5)

This card may have annual fees up to $59, but it depends on your creditworthiness. Most of the other fees are fairly standard, meanwhile. The Mission Lane Visa® isn’t the most expensive card around, especially as an unsecured card for bad credit, but it may not be the cheapest either.

  • Annual fee: $0–$59
  • Cash advance fee: $10 or 3% (whichever is greater)
  • Foreign transaction fee: 3%
  • Late/returned payment fee: Up to $35
  • Over-limit fee: None

Interest Rates

APR:

(2.4/5)

If Mission Lane offers you the lowest possible APRs in its range, then you’ll get a reasonable deal. However, an offer for their more expensive interest rates could end up costing way too much if you carry a balance on your card.

  • Regular APR: 19.99%–29.99% (variable)
  • Cash advance APR: 19.99%–29.99% (variable)
  • Minimum interest charge: $0.50

Rewards

Rewards:

(1.0/5)

The Mission Lane Visa® disappoints in this category, since it doesn’t give you any rewards. Although Mission Lane offers a similar credit card with cash back, you’re more likely to get that with fair credit rather than poor credit or no credit.

Rewards are rare among credit cards for lower credit scores, but they do exist. If earning cash back is important to you, consider looking for a secured credit card with rewards.


Credit Limit

Credit Limit:

(2.5/5)

Mission Lane doesn’t specify the maximum credit limit it offers, but the minimum is fairly low at $300. However, you may be able to get a credit limit increase.

Having a good credit limit is important when you’re trying to build or rebuild credit. One metric in your credit score is how much of your credit you’re using at a given time, so having a higher credit limit and borrowing responsibly can help improve your credit score.

Credit Limit Increases

The Mission Lane Visa® website says, “We’ll evaluate your account for a credit line increase at least once within your first 12 months as a Mission Lane member.” However, this doesn’t guarantee that your limit will increase, even if you make all your payments on time.


Benefits

Here are the benefits you can expect from the Mission Lane Visa®.

BenefitWhat It Means
Free credit scoresGet free access to your credit score. Mission Lane doesn’t specify which type of score they’ll give you, but it’s likely to be the VantageScore 3.0 score.
Zero fraud liability protectionPay nothing for any purchases on your card that you haven’t authorized.
Assistance for lost or stolen cardsReport your card lost or stolen to get emergency card replacements or emergency cash advances.
ID theft protectionGet fraud and ID theft protection, including dark web monitoring (to check for fraudulent use of your personal information) and one-bureau credit monitoring (to alert you of important changes to your credit report).
Roadside dispatchGet access to a pay-per-use emergency roadside assistance program (e.g., for towing or fuel delivery).

Although these benefits are welcome, they’re not particularly remarkable. Apart from free credit scores, most of them will be included with almost any credit card you choose.


How to Get a Mission Lane Visa®

Mission Lane Visa Credit Card Review
The Mission Lane Visa® may be a good unsecured card for bad credit if you’re offered their better borrowing terms.

Credit Score Required

The Mission Lane Visa® card is marketed as a way to build or rebuild credit. And Visa says that the card is appropriate for holders of poor credit or people wanting to rebuild credit.

For FICO scores, 300–580 scores are considered to be a “bad” or “poor”. You may still be eligible for the Mission Lane Visa® if your score is within this range.

How to Apply

You can apply for a Mission Lane Visa®:

  • By applying online: Go to the Mission Lane Visa® website, and click “See if I’ll Be Approved” to prequalify. This won’t affect your credit score.
  • By responding to a preapproval offer online: If you’ve received a preselected Mission Lane Visa® offer by mail, you can respond by visiting the Mission Lane Visa® website and entering your personal offer code.

Building Credit with a Mission Lane Visa®

Credit Reporting

Credit Reporting:

(5.0/5)

We gave this card a top score for credit reporting, since it reports to all three of the major credit bureaus. This means that you can improve all of your most important credit scores if you use your card responsibly.

To build credit, you need to make sure that your lenders report to as many of the major credit bureaus as possible. Because the Mission Lane Visa® credit card reports to all of them—Experian, Equifax, and TransUnion—it’s a good card for borrowers with lower credit scores.

Tips for Credit Building

These strategies will help you to build credit with your Mission Lane Visa®:

  • Keep on top of your bills: If you miss payments altogether or pay more than 30 days late, you’ll risk getting a late payment on your credit report. This is a black mark on your credit history, and is bad for your credit score. It also usually means late payment fees, which make it even more difficult to stay up to date with future payments.
  • Spend as little as possible on your card: The proportion of your available credit that you use is one important metric that credit scoring models include in their calculations. The less of your credit you use, the better. On the other hand, if you max out your credit cards, it’s bad news for your score.
  • Use your credit responsibly: As mentioned, your Mission Lane Visa® account will be reviewed for credit limit increases in the first year. Credit limit increases make it easier to use a smaller proportion of your credit, so they’re good for your credit score in the same way that low spending is. Credit limit increases are more likely if you follow the above guidelines, but you should also use your card enough to keep it active.

Comparable Cards

Surge Mastercard® Unsecured Credit Card

Surge Mastercard credit card Apply Now

on Continental Finance's secure website

Rates & Fees
3.3
Rating Breakdown
Fees
3.0

The fees on the Surge Mastercard® aren’t the absolute highest you’ll find among credit cards, but they’re quite steep considering you won’t get any rewards in exchange.

APR
2.4

The higher-than-average APR on this card isn’t a surprise considering that it’s geared toward people with poor or fair credit, but it makes this card expensive to carry a balance on.

Rewards
1.0

The Surge Mastercard® offers no rewards of any kind, netting it the lowest possible rating in this category.

Credit Reporting
5.0

Surge Mastercard® accounts are reported to all three major credit bureaus, which makes this card suitable for building or repairing your credit.

Credit Limit
3.5

The Surge Mastercard®’s initial credit limits are low, but you have the chance to increase (and even double) your credit line after you’ve had the card for 6 months.

Other

We manually boosted this card’s score in recognition of its high approval odds, free access to credit scores, and accessibility to people with bad credit without requiring a security deposit.

Our FinanceJar Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. Our scores are generated by a rubric and our reviews adhere to a strict editorial process. Learn more about how we rate credit cards.

Annual Fee

$75–$99 the first year, then $99 annually

Credit Score

300–669

Purchase APR

24.99%–29.99% (variable)

Why It's Great

These are both cards for people with less-than-perfect credit, and they share the following features:

  • No account-opening fees.
  • No rewards, welcome bonuses, or intro offers.
  • Credit reporting to all three major credit bureaus.
  • A 3% foreign transaction fee.
  • Credit limit increases available.

On one hand, the Surge Mastercard® costs more than the Mission Lane Visa®, as it often charges monthly fees from the second year, and annual fees are more expensive at $75–$99.

On the other hand, the Surge Mastercard® offers better prospects for credit limit increases: Surge guarantees that they’ll double your initial credit limit if you make at least the first six monthly minimum payments on time, whereas the Mission Lane Visa® doesn’t guarantee anything.

We recommend applying for the Mission Lane Visa® first as a cheaper option. But if maximizing your credit limit is a major priority for you, the Surge Mastercard® is a better choice.

Pros & Cons

Pros

  • No money down
  • Pre-qualification available
  • Free monthly credit score check
  • Major credit bureau reporting monthly
  • Credit limit increase after 6 months
  • Authorized users are allowed

Cons

  • High APR
  • Monthly maintenance fee often apply
  • Expensive annual fee
  • No perks or rewards

Credit One Bank® Platinum Visa® for Rebuilding Credit

Credit One Platinum Visa credit card Apply Now

on Credit One Bank's secure site

Rates & Fees
3.6
Rating Breakdown
Fees
3.8

The Credit One Bank® Platinum Visa® for Rebuilding Credit comes with pretty high fees, especially the annual fee. Thankfully, it’s partially offset by rewards and other benefits.

APR
2.4

The APRs on this card are pretty high, but this is typical for a credit card geared toward people with poor or limited credit histories.

Rewards
3.1

This is one of the few unsecured rewards cards you can get with poor credit. However, the rewards don’t apply to all purchases and don’t fully compensate for the card’s fees.

Credit Reporting
5.0

Credit One reports to all three credit bureaus, which makes the Platinum Visa® for Rebuilding Credit suitable for building or rebuilding credit.

Credit Limit
2.5

Credit limits are pretty low on this card, which isn’t ideal if you want to raise your credit score quickly or take full advantage of the card’s cashback rewards.

Other

We manually adjusted the card’s final score to account for factors like free credit scores and credit limit increases.

Our FinanceJar Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. Our scores are generated by a rubric and our reviews adhere to a strict editorial process. Learn more about how we rate credit cards.

Annual Fee

$75-$99

Credit Score

300–669

Purchase APR

26.99% (variable)

Rewards

  • Gas, Groceries, & Telecom Bills

    1% cash back on eligible spending toward gas, groceries, mobile phone service, and internet, cable, and satellite TV service

Why It's Great

Like the Mission Lane Visa®, the Credit One Bank® Platinum Visa® for Rebuilding Credit is an unsecured credit card for people who need to improve their credit scores.

Both of these cards are likely to give you similar APRs. They also share the following features:

  • No processing fees or monthly fees.
  • No welcome bonuses or intro offers.
  • A minimum credit limit of $300, initially.
  • Potential for credit limit increases.
  • Basic Visa benefits (e.g., roadside dispatch and ID theft protection).

The major disadvantage of the Credit One Bank® Platinum Visa® for Rebuilding Credit is the higher annual fees ($75 in the first year then $99 per year after that), and more expensive cash advance fees (8% vs. 3%). However, you might be able to offset these higher fees with the Credit One card’s rewards, which give you 1%–10% cash back on specific types of spending.

In the end, which of these cards you should choose depends on the offer Mission Lane Visa® gives you after you’re pre-approved.

Pros & Cons

Pros

  • No security deposit required
  • Cashback rewards
  • Available if you have bad credit

Cons

  • High APR
  • High annual fee
  • High cash advance fee

Avant Credit Card

Avant Credit Card Apply Now

on WebBank's secure website

Rates & Fees
4.0
Annual Fee

$0–$59

Credit Score

300–669

Purchase APR

27.24%–29.99% (variable)

Why It's Great

The Avant Credit Card is another card for people who want to improve their credit. Like the Mission Lane Visa®, it’s unsecured, so it requires no security deposit. And these two cards have many other features in common as well:

  • The same annual fees ($0–$59).
  • Reporting to all three major credit bureaus.
  • The same cash advance transaction fees ($10 or 3% of each cash advance).
  • Only 25% of your credit line can be used for cash advances.
  • No balance transfers.

You can be preapproved for both cards without hurting your credit score, you may as well apply for both to see whether one offers lower interest rates and/or a higher credit limit than the other.

Pros & Cons

Pros

  • No security deposit required
  • No foreign transaction fees
  • Cash advances available
  • Opportunities for credit limit increases
  • Credit reporting to all three bureaus
  • Quick and easy application

Cons

  • High APR
  • Annual fee usually required
  • No rewards, welcome bonuses, or intro offers
  • No balance transfers available
  • No authorized users or joint accounts

Mission Lane Visa® Credit Card FAQs

What bank issues the Mission Lane Visa®?

The Mission Lane Visa® credit card is issued by Transportation Alliance Bank, Inc.

Does the Mission Lane Visa® credit card have a grace period?

Yes, the Mission Lane Visa® has a grace period of 23 days.

Does the Mission Lane Visa® allow cash advances?

Yes, the Mission Land Visa® allows cash advances (a service where you use your credit card to borrow money or make cash-like transactions). However, the amount you can withdraw is limited at a maximum of 25% of your credit limit.

There’s also a cash advance fee of $10 or 3% (whichever is greater). This fee is fairly standard. The cash advance APR, meanwhile, is 19.99%–29.99% (variable), so it’s the same as the APR for purchases (whereas many cards have a higher APR for cash advances).

Can you add authorized users to the Mission Lane Visa®?

No, Mission Lane doesn’t let you add authorized users to your card. It also doesn’t allow joint accounts.

How can I pay my Mission Lane Visa® credit card bill?

You can pay by logging into your Mission Lane Visa® credit card account online. Alternatively, you can use the iOS app or Android app.

As well as making payments online, you can mail payments to Mission Lane at:

Mission Lane LLC

PO Box 23075

Columbus, GA 31902-3075

How do I contact Mission Lane’s customer service?

If you have questions about applying for the Mission Lane Visa®, you can email them at [email protected], or send a message online.

Finally, you can write to:

Mission Lane LLC

PO Box 105286

Atlanta, GA 30348-5286

How do I close my Mission Lane Visa® account?

There are two ways to close your Mission Lane account, but note that you can’t reopen your account once you’ve closed it.

To close your account, do either of the following:

  1. Send Mission Lane a message to say you want to close your account
  2. Call Mission Lane (at the number on the back of your card), and tell them you’d like to close your account.

How we rate our credit cards

Applying for a new credit card is a big decision. That's why FinanceJar's card experts carefully studied the following details of the The Mission Lane Visa® to determine whether it's a good borrowing option:

  • Fees
  • Interest Rates
  • Credit Reporting
  • Credit Limit
  • Benefits
  • Borrowing Terms

These factors, among many others, are part of our 5-star credit card rating methodology for all card categories. Our star ratings are unbiased and independent of our affiliates and advertisers.

sidebar

Table of Contents

  1. Mission Lane Visa® Review
  2. Rates & Fees
  3. Rewards
  4. Credit Limit
  5. Benefits
  6. How to Get a Mission Lane Visa®
  7. Building Credit with a Mission Lane Visa®
  8. Comparable Cards
  9. Mission Lane Visa® Credit Card FAQs

Jessica Norris

Credit Cards Editor

View Author

Jessica Ginter-Norris writes for FinanceJar. She has previously worked in academic editing, web content editing, and math e-learning content writing. She continues to be involved in various writing and editing projects as well as doing editorial training with the Chartered Institute of Editing and Proofreading.

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