LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Credit card review

Mission Lane Visa Credit Card Review

Mission LaneVisaSecured

Mission Lane Visa Credit Card earned 3.5 / 5 in our 2026 review. The Mission Lane Visa Credit Card earns no rewards with a $59 annual fee. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-08-04
Mission Lane
Mission Lane Visa Credit Card
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TL;DR
Annual fee
$59
Signup bonus
None
Top reward rate
No rewards
Intro APR
None
Issuer
Mission Lane
Network
Visa
Min credit score
500
Fintiex rating
3.5 / 5
Pros
  • +Annual fee ranges from $0 to $59 based on your offer, and many applicants qualify for $0, as of mid-2026
  • +No monthly maintenance fees, no program fees, and no security deposit; the cleanest fee structure among unsecured subprime cards
  • +Automatic credit line reviews, with many cardholders reporting an increase after about 7 months of on-time payments
  • +Reports to all three major credit bureaus (Equifax, Experian, TransUnion)
  • +Prequalification uses a soft pull that does not hurt your score
  • +Free credit score tracking in the app and plain-English terms
  • +A Cash Back version with 1% to 1.5% back exists for stronger credit profiles
Cons
  • -Variable APR of 19.99% to 33.99% means carrying a balance is still expensive; most subprime approvals land near the top of that range
  • -Fee math if you get the $59 offer: that is 20% of a $300 starting limit gone in year one, so push for the $0 offer or compare secured cards first
  • -No rewards on the standard card
  • -Starting credit limits are often just $300
  • -3% foreign transaction fee
  • -A Discover it Secured still beats it on pure cost if you have $200 for a refundable deposit: $0 annual fee, 2% back at gas stations and restaurants, and a clear upgrade path
  • -Verdict: the best of the unsecured subprime cards by a wide margin; a reasonable first choice if you cannot or will not fund a security deposit, especially on a $0-fee offer

Rewards detail

The Mission Lane Visa Credit Card is built for credit building, not rewards. There is no cash back or points program attached to spending. The value here is in reporting positive payment history to all three credit bureaus while you rebuild your score.

Rates and fees

Annual fee
$59
Purchase APR
19.99% to 33.99%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
19.99% to 33.99%
Cash advance APR
33.99%
Balance transfer fee
None
Foreign transaction fee
3%
Who it's for

The Mission Lane Visa Credit Card is built for people who want a secured card. Most approvals land at FICO 500 and above, but issuers prefer scores near 580. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best secured cards roundup.

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Frequently asked questions

Does the Mission Lane Visa Credit Card have a foreign transaction fee?
Yes. The Mission Lane Visa Credit Card charges a 3% foreign transaction fee on purchases made outside the United States. If you travel internationally often, pair this card with a no-foreign-fee travel card.
What credit score do I need for the Mission Lane Visa Credit Card?
Approvals typically start around a FICO score of 500, but Mission Lane prefers 580 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
Does the Mission Lane Visa Credit Card have a welcome offer?
No. The Mission Lane Visa Credit Card does not run a traditional signup bonus right now. The ongoing rewards rate is the main reason to apply, not a one-time promotion.
Does the Mission Lane Visa Credit Card have a 0% intro APR offer?
No. The Mission Lane Visa Credit Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 19.99% to 33.99%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Mission Lane Visa Credit Card?
$59 per year. To break even you need to earn enough rewards and credits to cover that fee. We walk through the math in the rewards detail section above.
Is the Mission Lane Visa Credit Card worth it?
Fintiex rates the Mission Lane Visa Credit Card 3.5 out of 5 for 2026. It is best for secured. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

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