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Last Updated: 07/28/2025

Mission Lane Visa® Credit Card

in Credit Cards from Mission Lane

Last Updated: 07/28/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Mission Lane Visa® Credit Card logo
Mostly recommended54 total votes
26 users recommend
3 users are unsure
25 users don't recommend
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Highlights

Community Rating

Mostly recommended

Purchase APR (Variable APR)

26.99% - 29.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)

N/A(Verified 03/01/2023)

Credit Score Range

300 - 700
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Annual Fee

$0 - $59
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Number of Reviews

54
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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

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.

Mission Lane Visa® Credit Card 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.

Mission Lane Visa® Credit Card logo

Message from Mission Lane credit card

Mission Lane is based in the U.S.—with offices in Richmond, Virginia & San Francisco, California—and we’re here to provide you with the best-in-class service you deserve.

So when you want straightforward and honest credit cards, know that we have years of experience, and the high customer ratings to back it up. When we answer the phone, know that your satisfaction and financial well-being are our top priority.

We’re here for you. Because where we’re going, we’re going together.

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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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.

Contact

Headquarters

Mission Lane LLC
PO Box 105286
Atlanta, GA 30304
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