Mission Lane
Mission Lane Visa Credit Card Review
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People with fair or rebuilding credit who want an unsecured card with no deposit
Updated for 2026
Overview
The Mission Lane Visa is an unsecured card for people with fair or rebuilding credit, requiring no security deposit. It offers free prequalification that does not affect your score and reports to all three credit bureaus, though its APR is high and an annual fee may apply. Approval is never guaranteed.
| Annual fee | $0–$59 (varies by creditworthiness assessed at application) |
|---|---|
| Regular APR | 19.99%–33.99% variable |
| Welcome bonus | None |
| Rewards | None on the standard Mission Lane Visa (a separate cash-back version may earn rewards — confirm on issuer site) |
| Recommended credit | Fair / rebuilding credit |
Pros & cons
Pros
- Unsecured — no security deposit required
- Free prequalification with no impact to your credit score
- Reports to all three major bureaus to help build credit
Cons
- High APR (up to 33.99% variable)
- May carry an annual fee of up to $59 depending on your profile, and the standard card has no rewards
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Advertiser disclosure: this page is supported by advertising and is for information only. Confirm current terms on the issuer's official site before applying.