
The Mission Lane Visa® Credit Card is a no-brainer for those who want to improve their credit score!
Benefit Summary:
- Check if you qualify without lowering your credit score and get an instant decision on your credit application.
- No security deposit is required, and it has an annual fee of only $0 to $59, which makes this card very affordable.
- Be automatically considered for a higher credit line in as soon as 7 months after account opening as long as your account is in good standing.
- Free, online access to your credit score and to educational information and resources.
- Recommended credit score is Bad to Fair (300 to 670).
If your credit score is less than perfect, it can be hard to get approved for the credit you need. Many cards for lower credit scores require huge security deposits or have a big annual fee. But not the Mission Lane Visa® Credit Card! This card doesn’t require any security deposit, and its annual fee ranges from $0 to $59. Plus, by paying your full balance on time every month, you won’t have to pay interest on your purchases and you can help rebuild your credit score! And with an instant credit decision, the Mission Lane Visa® Credit Card is the perfect tool for your credit rebuilding journey!
Why We Like This Card
The Mission Lane Visa® Credit Card was specifically designed for those with a lower credit score. That means its recommended credit range is 300 to 670. This range is considered “Poor,” “Bad,” or “Fair.” Having a lower credit score can make it harder to be approved for credit, and often means you will have a lower credit limit or a higher APR. But if you use your Mission Lane Visa® Credit Card responsibly by paying your balance on time and in full every month, you can be considered for a higher credit limit in as little as seven months! And making on time full payments also has the benefit of rebuilding your credit score.
Learn More about the Mission Lane Visa® Credit Card
When you open a Mission Lane Visa® Credit Card account, you also get free online access to your credit score! This is useful to help monitor your score, and you can see the benefit of being financially responsible when your score increases. It may take a few months to get your credit back on track, but having a higher credit score is definitely worth it. In addition, you can get free access to educational information and other resources about improving your credit.
It takes less than a minute to see if you qualify for a Mission Lane Visa® Credit Card, and checking to see if you qualify only requires a soft credit pull, which won’t impact your score. If you qualify and want to apply for the card, you can get your credit decision instantly! No security deposit is required, which means the Mission Lane Visa® Credit Card is both affordable and very fast to get. Start rebuilding your credit today!
Recommended Credit Score
The recommended credit score for the Mission Lane Visa® Credit Card is Bad to Fair. This is typically in the 300 to 670 range. Having a better credit score can allow you to apply for cards with better features, such as lower APRs, rewards, and other perks. The Mission Lane Visa® Credit Card doesn’t have any intro offers or credit card rewards, but it does allow you to work towards improving your score if you make payments in full and on time each month. Other ways that you can help improve your credit score include not maxing out your credit accounts and monitoring your credit for errors or fraudulent activity.
Quick Review
With an instant credit decision and no security deposit required, the Mission Lane Visa® Credit Card outshines most other cards for bad credit! Recommended for those with a score between 300 and 670, this card can help rebuild credit as long as you pay your balance on time and in full every month. In addition, you can view your credit score anytime online for free, and get access to other educational tools and resources on rebuilding credit.
Other Cards for Bad Credit
Want to consider your options? Here are some other great cards for bad credit! These cards don’t require an excellent credit score and can be used to rebuild credit as long as they’re used responsibly.
Self – Credit Builder Account + Secured Visa® Credit Card

- Annual Fee: $25
- Security Deposit: None, but you must have at least $100 in a Self Certificate of Deposit Savings Account
- Recommended Credit Score: No credit history required
The Self – Credit Builder Account + Secured Visa® Credit Card is a hybrid financial product that combines a credit builder loan with a secured credit card. This unique model is perfect for those with bad credit, or those who don’t have any credit history. Start out by making monthly payments into your credit builder loan (the payments are deposited into a Self Certificate of Deposit (CD) savings account). By making regular payments on time, you’re not only building up savings, but also building your credit history. Once you’ve made at least three on-time monthly payments, have at least $100 in your Self CD account, and have your account in good standing, you become eligible for the Self Visa Credit Card without an additional security deposit or a hard credit check. (The savings in your CD that you’ve made monthly payments towards counts as your security deposit.) This is great for those who have little to no credit history, have bad credit, or who don’t want a hard credit check (which can lower your credit score). On the downside, you won’t be eligible for the Self Visa Credit Card for at least three months – if you need a credit card sooner than that, you might want to choose a different card.
Capital One Platinum Secured Credit Card

- Annual Fee: $0
- Security Deposit: $49 to $200
- Recommended Credit Score: No credit history required.
The Capital One Platinum Secured Credit Card allows you to put down a security deposit of only $49, which will get you an initial $200 credit line. You can also put down more of a security deposit to get a higher credit limit, with the highest credit line being $1,000. A $49 security deposit is very reasonable, and because this card has no annual fee, no foreign transaction fees, and no penalty APR if you make a late payment, it’s considered very affordable. Plus, if you demonstrate financial responsibility, make payments on time, and your account is in good standing, you can be considered for a higher line of credit in as soon as six months! Capital One also has other perks, including $0 Fraud Liability (which means you won’t be responsible for unauthorized charges), free monitoring of your credit score through CreditWise, and access to your account anytime, anywhere with online banking through your desktop or smart phone! If you’re looking for an affordable secured credit card, consider the Capital One Platinum Secured Credit Card.
Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post. The content on this page is accurate as of 3/23/2023; however, some of the offers mentioned may have expired.