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  Mission Lane Visa® Credit Card
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Mission Lane Visa® Credit Card
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Mission Lane Visa® Credit Card

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SuperMoney Net Recommendation Score -4  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -4, equating to 2.9 on a 5 point rating scale.

-4

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly not recommended

23 users recommend
3 users are unsure
25 users don't recommend
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Highlights
Community Rating Mostly not recommended
Purchase APR  (Variable APR) 26.99% - 29.99%
(Verified 03/01/2023)
Balance Transfer APR  (Variable APR) N/A
(Verified 03/01/2023)
Credit Score Range 300 - 700
Annual Fee $0 - $59
Number of Reviews 51

Mission Lane Visa® Credit Card Review

This is a card issued by Mission Lane. If you're wondering whether Mission Lane credit card is the right card for you, read on.

Key Takeaways

  • High APRs. This is not a great card for people who carry a balance. It has a variable 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 3% every time you make a transaction outside the U.S.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Mission Lane credit card

The Good The Bad
  • Clear pricing & no hidden fees.
  • Instant credit decision.
  • Higher credit lines over time.
  • Considers applicants with fair credit.
  • Mission Lane Visa® Credit Card reports to multiple credit bureaus.
  • High interest rates.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.

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.

What are the relevant APRs for Mission Lane credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Mission Lane Visa® Credit Card has a variable purchase APR that ranges from 26.99% up to 29.99%. The card has a variable cash advance APR of up to 29.99%.

Note that late payments are subject to an APR of 35% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Mission Lane credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Mission Lane credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Mission Lane credit card?

The following fees apply:

Mission Lane credit card Fees
Fees Amount
Annual Fee Starting at $0 up to $59
Foreign Transaction Fee 3%
Late Payment Fee up to $35

Does Mission Lane credit card have a foreign transaction fee?

Mission Lane credit card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Mission Lane credit card?

The Mission Lane credit card customer service number is .

What is the support contact email for Mission Lane credit card?

The support contact email for Mission Lane credit card is support@missionlane.com.

What is the Mission Lane credit card login page?

You can access the Mission Lane credit card login page here.

How do people rate the customer service and user experience of Mission Lane credit card?

Overall, Mission Lane credit card is mostly not 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 your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Mission Lane credit card

  • Visit the Mission Lane credit card website.
  • 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.

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.

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.

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

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Rating not yet determined

2 Reviews

Availability

  Available in 44 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0 - $59
Minimum Interest Charge $0.50
No Interest Grace Period for Late Payment 23 days
Late Fee Amount Up to $35
Customer Type Personal
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 700
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Type No Rewards
Cash Advance APR (Variable APR) Up to 29.99%
APR Type Variable APR
Balance Computation daily balance (including current transaction)
Penalty APR (Variable APR) 35%
Purchase APR (Variable APR) 26.99% - 29.99%
(Verified 03/01/2023)
Card Type
  • Bad Credit
Card Network Visa

Mission Lane Visa® Credit Card Community Reviews

 

Would you recommend Mission Lane Visa® Credit Card to your friends?

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -4, equating to 2.9 on a 5 point rating scale.

-4

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.