Mission Lane Credit Card is a Visa card for building your credit score. They often approve customers with a bad score below 670 points. The card has pre-qualification that can give you confidence before you apply. You can file the qualification form and should receive an offer in mail.

The offer gives you have a high approval odds. After application you should receive the card in mail. It shouldn’t take too much time for the card to arrive. I would recommend you to read how long it takes for a card to be delivered.

It is an unsecured credit card that may charge you an annual fee up to $59. In some cases, however, it can be free. Without annual fee it maybe a fine option. Make sure to read what is secured credit card.

Initial credit limit of Mission Lane credit card is $300 and quite typical for credit building cards. Low credit limit means you have to pay it off regularly to have low credit utilization. You should NEVER carry any balance on the card due to its high APR of almost 30%. Over time once your credit score improves, they can raise your credit limit.

Mission Lane provides access to your credit score and some credit building education.

Remember to never be late with your minimum payment. Late payment fee of $35 is bad, but not the worst thing. Late payment will ruin your efforts to establish a credit score. So, make sure to setup auto-payment right away. The Mission Lane credit card reports how you use it to credit bureaus, so over time it should help you to raise your FICO.

The most basic version of Mission Lane credit card has no cash back and only some basic benefits of Visa card. The advanced version called Mission Lane Cashback card and it pays % cashback on purchases, which is very nice.

The credit card may seem fine, however, in my opinion you should first try to apply for a secured credit card at a big bank. For example, US Bank Secured Credit card has graduation. It means after a year you may qualify for upgrade to unsecured credit card.