Mission Lane Visa Credit Card: Build Credit with Confidence

The Mission Lane Visa gives you the tools to build or rebuild credit—no deposit required, no hidden fees, and full transparency.

The Mission Lane Visa Credit Card is an unsecured credit card designed to help individuals with fair, limited, or recovering credit take control of their financial future. Unlike secured cards that require a deposit upfront, the Mission Lane Visa allows you to access a revolving credit line without tying up your money.

It’s built for transparency, with clear terms and accessible technology, making it easy to track your progress, manage your account, and grow your credit responsibly over time.

Benefits of the Mission Lane Visa Credit Card

1. No Security Deposit Required

Most credit-building cards require a cash deposit as collateral. The Mission Lane Visa does not. That means you can begin building or rebuilding credit without needing to set aside hundreds of dollars upfront.

2. Reports to All Major Credit Bureaus

Your payment history is reported to Experian, TransUnion, and Equifax, helping you build a credit history as long as you pay your balance on time and maintain responsible usage.

3. Prequalification Available Without Credit Impact

You can check to see if you’re prequalified without a hard inquiry on your credit report. This soft pull gives you a preview of your approval odds without reducing your score.

4. Credit Line Increases with Responsible Use

Mission Lane may offer a higher credit limit after as little as six months of on-time payments. A higher limit can reduce your credit utilization ratio, which may positively affect your credit score.

5. Simple, Transparent Fees

There are no confusing hidden fees. The annual fee ranges from $0 to $59, depending on your credit profile. There are no monthly maintenance fees, activation fees, or over-limit fees.

6. Mobile App and Online Tools

You can manage your account through the Mission Lane mobile app or website. Check your balance, schedule payments, and monitor your spending anytime, from anywhere.

7. $0 Fraud Liability

If your card is lost or stolen and unauthorized charges appear, you’re protected with $0 fraud liability. This adds peace of mind in case of any suspicious activity.

8. Credit Education Resources

Mission Lane offers access to tools and articles that explain how credit works, helping you build strong habits and understand what actions impact your credit score.

Key Card Terms and Conditions

• Annual Fee: $0–$59 (based on creditworthiness)
• APR: Typically ranges from 26.99% to 29.99% variable
• Foreign Transaction Fee: 3%
• Late Payment Fee: Up to $40
• Overlimit Fee: $0

Be sure to review your individual offer carefully, as fees and interest rates may vary.

Who Can Apply?

You may qualify for the Mission Lane Visa Credit Card if you:

• Are at least 18 years old (19 in certain states)
• Have a valid U.S. Social Security number or ITIN
• Are a U.S. resident with a physical address
• Have a fair, limited, or recovering credit profile
• Meet Mission Lane’s underwriting standards
• Do not currently have an active Mission Lane Visa account

How to Apply

Applying for the Mission Lane Visa Credit Card is quick and simple:

1. Visit the official Mission Lane website.
2. Fill out the prequalification form. This process does not affect your credit score.
3. If prequalified, continue to the full application with your personal and financial details.
4. Review the terms and conditions carefully.
5. Submit your application for a final decision.

If approved, you’ll receive your card by mail within 7–10 business days.