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Mission Lane Visa® Credit Card Review

A decent option for building credit though it has a variable annual fee.

  • Get this card if you have a history of bad credit and want to rebuild your credit with a traditional credit card.
  • Pick something else if you can qualify for a credit-building card without an annual fee.
  • Apply with a fair credit score of 580 or higher.
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26.99% to 29.99%

Purchase APR (variable)


Recommended credit score


Annual fee$0 to $59
Welcome offerN/A
Purchase APR26.99% to 29.99% variable
Balance transfer APRN/A
Minimum Credit Score580

Review by

Steven Dashiell is Senior Writer, Personal Finance at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, NASDAQ, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.

Expert review

The Mission Lane Visa® Credit Card is a credit-building card from Mission Lane, a company that advertises itself as dedicated to helping consumers have fair and clear credit access. Their new card costs $0 to $59 annually, carries a variable APR on purchases, reports to all three major credit bureaus, and may grant you a higher credit limit after you make your first six payments on time.

How to apply for the Mission Lane Visa® Credit Card

To apply for the Mission Lane Visa® Credit Card, you used to need to receive an invitation from Mission Lane through mail. You can now apply by doing the following.

  1. Select Apply now.
  2. Fill out your personal information and click Submit.

What credit score do I need?

Apply for the Mission Lane Visa® Credit Card with a fair credit score of 580 or higher for a better chance of approval.

Mission Lane Visa® Credit Card benefits

  • Reports to three major credit bureaus. Mission Lane reports your credit use to Experian, Equifax and TransUnion.
  • Increase your credit limit. Make your first six payments on time and Mission Lane may increase your credit limit.
  • Visa benefits. You’ll receive a few Visa perks with this card, including auto rental insurance when you decline your primary insurance.

Mission Lane Visa® Credit Card drawbacks

  • Annual fee. You’ll need to pay $0 to $59 annual fee to use this card. There are other credit-building cards on the market that don’t charge an annual fee.
  • High APR. This card comes with a variable APR on purchases, which is very large for just about any card on the market. If you use this card, you’ll want to avoid carrying a balance.

Compare unsecured credit cards for building or rebuilding credit

Use the table below to see other unsecured credit cards that can help you build credit.

1 - 3 of 15
Name Product Filter values Rewards Purchase APR Annual fee
Tomo Credit Card
1% cashback on all purchases
A credit-building card with no fees, no APR, and no credit check.
Surge Mastercard® Credit Card
24.99% to 29.99% variable
$75 to $99
An unsecured credit-building card with a $0 fee on cash advances for the first 12 months, then 5% or $5. This is a rare offer among similar cards.
Reflex Mastercard® Credit Card
24.99% to 29.99% variable
$75 to $99
Made for people with poor credit who want an unsecured credit card. It can help you build credit, but watch out for high fees and interest.

Compare up to 4 providers

Mission Lane Visa® Credit Card reviews and complaints

As of July 2021, Mission Lane is not accredited with the Better Business Bureau and earns a B- rating. There are just 21 customer reviews for the company, with complaints mentioning billing and collection issues.

Mission Lane is rated 2.9 on Trustpilot as of April 2021.

Bottom line

If you can’t qualify for one of the other credit-building cards on the market that don’t charge an annual fee, such as the Petal® 1 "No Annual Fee" Visa® Credit Card, the Mission Lane Visa® Credit Card can certainly do the job when it comes to building your credit. Still, you’ll want to check out other credit-building options before taking the plunge on this card.

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