Mission Lane Visa
Mission Lane · Building Credit review
Credit-rebuilders coming back from a thin file or recent dings who can't deposit on a secured card and don't qualify for
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
29.99% variable
Variable — verify the current range at the issuer
Foreign transaction fee
None
Travel-friendly abroad
As of June 29, 2026
Best for
Credit-rebuilders coming back from a thin file or recent dings who can't deposit on a secured card and don't qualify for Petal 2—Mission Lane is one of the more honest unsecured options for the 580-620 FICO band.
Not for
Anyone with a 660+ FICO (you can do much better) and rewards-seekers — this card has no cashback or points; it’s a graduation tool, full stop.
The catch
No rewards is the design choice, not a flaw — but the APR ceiling near 30% means any carried balance wipes out the credit-building benefit. Use it as a credit-history workhorse you pay in full, not as a cashflow card.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Ongoing APR
- 29.99% variable
- Foreign transaction fee
- None
- Late payment fee
- Up to $40
- Schumer Box verified
- June 29, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Frequently asked
Does the Mission Lane Visa charge an annual fee?
No. The Mission Lane Visa carries a $0 annual fee, sourced from the issuer's published Schumer Box as of June 29, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Mission Lane Visa charge?
29.99% variable. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Does the Mission Lane Visa charge foreign transaction fees?
No. The Mission Lane Visa has no foreign transaction fee, so it works cleanly for purchases abroad.
Who is the Mission Lane Visa best for?
Credit-rebuilders coming back from a thin file or recent dings who can't deposit on a secured card and don't qualify for Petal 2—Mission Lane is one of the more honest unsecured options for the 580-620 FICO band.
Who should skip the Mission Lane Visa?
Anyone with a 660+ FICO (you can do much better) and rewards-seekers — this card has no cashback or points; it’s a graduation tool, full stop.
How did ClearValue score the Mission Lane Visa?
Mission Lane Visa scored 78/100 — "Worth considering". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the Mission Lane Visa
Other credit-builder cards we've scored, ranked by our methodology.
- DiscoverCanon
Discover it Secured
90/100Annual fee$0Ongoing APR28.24%Intro APR10.99% on balance transfers for 6 monthsBest forCredit-builders who want a $0 AF secured card that reports to all three bureaus, earns rotating-category cashback, AND g
Fees sourced from issuer terms · 2026-06-29
- Capital OneSolid pick
Capital One Quicksilver Secured
89/100Annual fee$0Ongoing APR29.99%Foreign txn feeNoneBest forCredit-builders who want a secured card that reports to all three bureaus AND earns 1
Fees sourced from issuer terms · 2026-06-29
- PetalSolid pick
Petal 2 Visa
87/100Annual fee$0Ongoing APR23.74–33.24%Foreign txn feeNoneBest forThin-file or no-credit-history readers who want an unsecured card without a deposit, reports to all three bureaus, and e
Fees sourced from issuer terms · 2026-06-29
