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VISAVisa Traditional

Mission Lane Visa Credit Card

$59

Annual Fee

Source: Mission Lane Official

Apply on Transportation Alliance Bank's site

At a Glance

Annual Fee

$59

Authorized User Fee

Foreign Transaction Fee

Network

Visa Traditional

Rewards Currency

Cash

Point Valuation

1–1 cpp (mid: 1)

Credit Required

Poor to Fair

Benefits & Perks

Insurance & Protections

$0 fraud liability on all transactions

Full protection from fraudulent charges—you never pay for unauthorized use

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

24/7 lost/stolen card assistance worldwide

Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

Program & Transfers

Cash Back Rewards

View Program

Currency: Cash back dollars

Point Value: 1 cpp

Range: 1–1 cpp

Reviews & Analysis

Pros and Cons

Pros

+Some variants have no annual fee
+Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
+No security deposit required (unsecured card)
+Prequalification with soft pull (no credit score impact)
+Mobile app with credit monitoring and spending insights
+Automatic credit limit increase reviews every 6 months
+No authorized user fee
+Cash Back variant offers 1.5% back on all purchases

Cons

-High APR (19.99% - 29.99%)
-3% foreign transaction fee
-

Details & Terms

Payment Terms

Purchase APR	19.99%–29.99% (Variable)
Cash Advance APR	29.99% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Card Design

Mission Lane Visa Credit Card card art from issuer website

Evidence Sources

Source	Verified	Citation
Mission Lane Official	—	Mission Lane Official
Mission Lane Official	—	Mission Lane Official
NerdWallet	—	NerdWallet
RewardsCC API	—	RewardsCC API

Explore More

See all Transportation Alliance Bankcards →Browse all card categories →Browse all card benefits →Browse all credit cards →

Base card only earns 1% cash back

-Low initial credit limits typical

-Cash advance fee (greater of $10 or 5%)

-Annual fee on some variants ($59)

Who It's Best For

Best For

✓Consumers with fair or poor credit seeking an unsecured card
✓People who want no annual fee credit building (Cash Back variant)
✓Those who need reporting to all three credit bureaus
✓Users who value a mobile app with credit monitoring
✓Individuals seeking automatic credit limit increase reviews

Not Ideal For

✗International travelers (3% foreign transaction fee)
✗People who may carry a balance (high APR up to 29.99%)
✗Those seeking high rewards rates (only 1% base cash back)
✗Consumers who need a large credit limit immediately