Last Updated: 07/28/2025
SuperMoney User Recommendation Score +2
Mostly recommended54 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
26.99% - 29.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 03/01/2023)
Credit Score Range
300 - 700
Disclaimer popup with additional information
Annual Fee
$0 - $59
Disclaimer popup with additional information
Number of Reviews
Mission Lane Visa® Credit Card Review
This is a card issued by Mission Lane. If you're wondering whether Mission Lane Visa® Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 26.99% up to 29.99%.
- Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $59 for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Mission Lane credit card
| The Good | The Bad |
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Mission Lane credit card FAQ
Does Mission Lane credit card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
How do people rate the customer service and user experience of Mission Lane credit card?
Overall, Mission Lane credit card is mostly recommended based on community reviews that rate customer service and user experience.
Does Mission Lane Visa® Credit Card report your account activity to credit bureaus?
Yes, Mission Lane Visa® Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Mission Lane perform a hard credit pull?
Yes, Mission Lane credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Mission Lane credit card
- Visit the website of Mission Lane credit card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Provider Disclosure: If you are charged interest, the charge will be no less than $0.50.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Mission Lane credit card
Message from our editor
What we love about Mission Lane Classic Visa® Credit Card
Mission Lane Classic Visa® is a card for people with less than great credit who want to enjoy the perks of an unsecured credit card, such as complimentary auto rental insurance and zero fraud liability. It can also help rebuild your credit, if used wisely since it card reports to all three major bureaus (Equifax, Experian, and TransUnion). Customers in good standing can receive higher credit lines after making six payments on time.
What could Mission Lane Classic Visa® Credit Card do better?
The annual fee, high APR, cash advance fee, and foreign transaction charges are the main drawbacks of this card.
Mission Lane backstory
Mission Lane was launched in 2019 as an offshoot of LendUp, a financial technology company. Both Mission Lane and LendUp target Americans who lack access to high-quality financial services, which is over half the population.
The Verdict
This is a good card for people with poor or fair credit who don't qualify for higher-end cards but don't want to pay a security deposit and need an instant credit decision. The higher credit lines available over time to diligent customers can be a big advantage for those trying to improve their credit score. On the other hand, it doesn't provide a rewards program and there are high fees to consider.
Clear pricing & no hidden fees. Security deposit? Nope. Activation fee? Nope. Over-the-limit fees? Nope! We've got nothing to hide.
We've got you covered with free anytime access to your credit score, credit-building education, and reporting to all three major bureaus.
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Other Services by Mission Lane
Checking Accounts
Rating not yet determined (2 Reviews)
Other Credit Cards from Mission Lane
Rating not yet determined
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
630 - 850
300
850
Annual Fee
$19
Availability
Available in 44 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Wisconsin
- Wyoming
SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +2, or 3 on a 5-point rating scale.
+2
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
Mission Lane Visa® Credit Card Community Reviews
Would you recommend Mission Lane Visa® Credit Card to your friends?
WC
William C.
Jul 23, 2023
Would Recommend
Decent card IMO I have had it now for 4 months and all is good except their app.It does not work proper.
U
Anonymous
Jul 18, 2023
Would Recommend
Its a good one I think I have seen people using this credit card
AN
Angela N.
Jul 9, 2023
Would Recommend
It was a great starter credit card to build credit. I started off with a $300 increase, after six month it went to $500, at 12 months, $1000 and then at 18 months to $1500. The first year had no annual fees. This year, I was charged a $59 fee. They’ve upgraded their app recently and it seems to work better for payments. It can be difficult reaching a human, ...Show More
KR
Kenneth R.
Feb 28, 2023
Would not Recommend
Not sure what games they are playing? They gave me a card with a low limit compared to my other cards and a much higher rate? I was going to use it as a backup after I saw the interest rate they were charging, I called first to ask for a reduction they gave me a form NO! So I paid the card off and now they lock the card ...Show More
BH
Betsy H.
Jan 23, 2023
Would not Recommend
Mission Lane keeps changing the interest rate despite charging 29.99% in the beginning. They are now charging 34.99% interest. That's way over the Fed rate. It's close to fraud. Then they charge the annual fee all at once. Unless you are making xlarge payments you will get hit with the fees & interest in 1 month which will put you over the limit & be negative on your credit score. ...Show More
Nlilly H.
Oct 29, 2022
Would Recommend
Mission Lane Visa IS THE BEST! I find them very Honest and Respectable. I've had them now for three months and we haven't had any problems with each other. Their Approval Process was extremely quick and with NO HIDDEN FEES! I Love These People! And I'm very happy they came knocking at my door! Thanks Again Mission Lane Visa! You Are The Best Credit Card ...Show More
April T.
Oct 7, 2022
Would Recommend
I make my payments on time and never had any problems with them,I had my credit limit increased automatically after 6 months.
U
Anonymous
Jun 12, 2022
Would not Recommend
Mission Lane is not exactly a "new" company. They were first called "Lend Up" and had a red card, then transitioned to Mission Lane with the green cards. As a former employee, Mission Lane should not be in existence. Some procedures are absolutely ridiculous. If a cardholder wanted to update their phone number, they would have to email support@missionlane.com where an agent would inquire about the phone number, and then ...Show More
JS
James S.
Feb 23, 2022
Would not Recommend
Trying get support@ mission to really see my passport pics with photo of working wrong spelling of credit card
Silly firm just sent pin
Holdaway staff too robotic
Nobody listens
Does anyone care?
It's not my name on card
Trying get staff to replace card
I will keep trying
Used to go to Atlanta for summer camp
Camp Dixie.
I am an old honest white guy
James Robert Seidel.
Really sad staff cannot see tree in forest
DJ
Dee J.
Feb 22, 2022
Would not Recommend
I've had several fraudulent charges applied to my card on a reoccurring basis, due to the my initial dispute not being rectified, after five months of complaints. I've had to continue to pay fraudulent charges because the company has yet to honor my disputes, or have yet to cancel and replace the card. This is the absolute worst credit card I've ever dealt with.
MS
Marian S.
Jan 25, 2022
Would Recommend
Easy to start and easy to pay. I've had no trouble with my card, so far.
RF
Robyn F.
Jan 12, 2022
Would not Recommend
I would not recommend this card. The interest rates are way too high.
Food C.
Dec 13, 2021
Would not Recommend
Fraudulant charges were made to my card and they never took them off. Been fighting with these people for months. DO NOT GET THIS CARD! customer service is terrible and im finding myself having to pay 400 bucks in charges i never charged.
U
Anonymous
Jun 16, 2021
Would not Recommend
I would not get this card. you are better off getting a secured cc with a lower fee and still reports to all 3 credits. this card has Low credit line in turn can hurt you if you carry a balance over 30% and on top of that it has a high APR, a $75 annual fee. This card will hurt more than help. its just another monthly payment ...Show More
Renea B.
Jun 11, 2021
Would not Recommend
Thought was a good card for me and used it a few times and knew I was well under my card limit but when I checked my balance it was over the limit and now all I can do is pay the card. This card only gave me more debt. I'm now paying card interest, not for any purchases because I didn't get to really use it. Dissatisfied and Disappointing????
SM
Susan M.
Apr 12, 2021
Would Recommend
It's fair , and you can start you credit over here.
TB
Thomas B.
Feb 20, 2021
Would Recommend
because this is good for poor and fair to build up their credit and credit score
Wmpiam
Jan 25, 2021
May or may not recommend
They do not offer a mobile app like many of their competitors. Customer service is difficult to work with comparatively as well. I would likely choose a cap one secured line instead, as it does not carry an annual fee.
LJ
Latanza J.
Dec 16, 2020
Would not Recommend
Please do not apply for this card. The company does not post your money order payments to your balance. The company gives you the option to pay your payments using your checking account routing and account # or mail your payments. However, your payments never post to your account unless you file a complaint with the FTC, BBB, or FDIC and still it takes 30 days for info to reflect ...Show More
U
Anonymous
Dec 7, 2020
May or may not recommend
They ask for too much information initially. Copys of all legal doocuments, Dr Lic (in color,) SS CArd front and back, photo of me holding Dr lic, copy of 1099's, rediculous!
Showing 20 of 54 reviews
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