Best unsecured, no deposit
Mission Lane Visa® Credit Card
Mission Lane · Unsecured
- Annual fee
- $0
- Purchase APR
- 26.99%
- Deposit
- None
- Min. score
- 540
No rewards on the base card
Approval odds
Good
What works
- Strong flat-rate rewards for this credit tier
- No deposit needed
- $0 foreign transaction fee
What to watch
- $39 annual fee
- High ongoing APR
- Needs fair credit — not for scores near 500
The full terms
| Annual fee | $39 |
|---|---|
| Purchase APR | 29.99% variable |
| Security deposit | None required |
| Credit limit | $300 – $5,000 |
| Minimum score | 580+ (Fair) |
| Foreign transaction fee | None |
| Reports to | Experian, Equifax, TransUnion |
| Upgrade path | Credit-line reviews in as little as 6 months |
| Pre-qualification | Yes — soft pull, no impact to your score |
Who this card suits
Capital One QuicksilverOne Cash Rewards is aimed at people in the fair range. It's unsecured, so no deposit is tied up — but that convenience is paid for through the annual fee and a higher APR. Check whether a secured card would cost you less overall.
Using it to actually raise your score
- Pay on time, every time. Payment history is the biggest single factor in your FICO score. Set autopay for at least the minimum.
- Keep utilisation low. Stay under 30% of your limit, ideally under 10%. On the starting limit of $300 that's $90 and $30 respectively.
- Don't chase more cards yet. Every application is a hard inquiry. Let this one age.
- Watch for the review. Credit-line reviews in as little as 6 months Keep the account clean until then.
Before you apply. Rates, fees and deposit requirements are set by the issuer and change often. Confirm the current terms on the issuer's own application page — the figures here were last reviewed 2026-08-24 and are not a guarantee of the terms you'll be offered.
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- Deposit
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