The Bank of Missouri Credit Cards

We found 13 The Bank of Missouri credit cards. Read on to get more insights.

By Anastasia Staples
Reviewed by Anastasia Staples
Updated May 01, 2023

Best Credit Cards in May 2023

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The Bank of Missouri FIT® Platinum Mastercard® best for Unsecured

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FIT® Platinum Mastercard® The Bank of Missouri
Annual fee:
$99 annually
Regular APR:
29.99% Variable
Our Rating:
3.9
scorer
Credit score
No Credit History to Poor (0-579)
    • Issuer name:
      The Bank of Missouri
    • Details:

      The FIT® Platinum Mastercard® Credit Card helps to rebuild or build your credit.

      The FIT® Platinum Mastercard® Credit Card's annual fee is $99 annually. The Monthly Maintenance Fee is $75 annually. The Processing Fee is $89 (one-time fee).

      The FIT® Platinum Mastercard® Credit Card has an initial credit limit of $400. Use your FIT card at locations everywhere Mastercard is accepted.

      Continental Finance will report your payments to the three major credit bureaus - TransUnion, Experian, Equifax.

      Read full review

    • Pros:
      • Credit may increase with time
      • Low eligibility requirements
      • Reasonable credit limit
      • No Security deposit
      • Credit Score Access
    • Cons:
      • High extra fees
      • High APR
      • Foreign Transaction Fee
      • No reward program
      • No Sign up Bonus
    • Benefits:
      • $0 Fraud Liability;
      • Initial Credit Limit of $400;
      • Potential Credit Limit Increase After Just 6 Months;
      • Free Monthly Credit Score;
      • Reports to All Three Major Credit Bureaus.
    View all FIT® Platinum Mastercard® details
    Apply now
    On The Bank of MissouriÔÇśs site
    Card detail

    The Bank of Missouri First Access Visa® best for Low income

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    First Access Visa® The Bank of Missouri
    Annual fee:
    $75 annual fee for first year
    $48 annually
    Regular APR:
    34.99%
    Our Rating:
    4.2
    scorer
    Credit score
    No Credit History to Fair (0-669)
      • Issuer name:
        The Bank of Missouri
      • Details:

        The First Access Card is a true VISA® credit card that does not require perfect credit for approval.

        The First Access Visa Card's APR: 34.99%.

        The First Access Visa Credit Card is not a secured credit card, meaning applicants donÔÇÖt have to have the amount of their credit limit as a deposit.

        Read full review

      • Pros:
        • Available to those with bad credit
        • Reports to three major credit bureaus
        • Easy application
        • No security deposit
      • Cons:
        • High APR
        • Several fees
        • Low credit limit
        • No rewards
      • Benefits:
        • First Access Visa credit card accepted nationwide;
        • Rebuild your credit;
        • Easy and Secure Online Application.
      View all First Access Visa® details
      Apply now
      On the First Access Visa® Card secure website
      Card detail
      Apply now
      Total Visa® The Bank of Missouri
      Annual fee:
      $164 for the first year (including one-time program fee of $89)
      $48 annually *
      Regular APR:
      35.99% *
      Our Rating:
      3.32
      scorer
      Credit score
      Rebuilding Credit to Fair (0-669)
        • Issuer name:
          The Bank of Missouri
        • Details:

          The Total Visa┬« Đüard is a credit card for people with bad credit score or limited credit. It does not require a credit check to apply. But the card doesnÔÇÖt offer rewards.

          The Total Visa┬« Đüard's Regular APR is 35.99%.

          The Total Visa┬« Đüard allows you to choose your own card design.

          Read full review

        • Pros:
          • Low Requirements
        • Cons:
          • Annual Fee
          • High Regular APR
          • No Intro APR period
          • Extra Fees
        • Benefits:
          • $0 fraud liability;
          • Reports monthly to all three major credit bureaus;
          • Manageable monthly payments;
          • Select your favorite card design for free.
        View all Total Visa® Unsecured details
        Apply now
        On the Total Visa® Card secure website
        Card detail

        The Bank of Missouri Milestone Mastercard® best for Unsecured

        Apply now
        Milestone Mastercard® The Bank of Missouri
        Annual fee:
        $175 the first year
        $49 thereafter
        Regular APR:
        35.9%
        Our Rating:
        3.5
        scorer
        Credit score
        No Credit History to Good (0-739)
          • Issuer name:
            The Bank of Missouri
          • Details:

            The Milestone Mastercard® is a credit card for people with bad credit.

            TheCard's APR is 35.9%. Plus, the card has a cash advance APR of 35.9%.

            The credit limit for a Milestone Mastercard® is $700.

            Read full review

          • Pros:
            • Low application requirements
            • Low foreign transaction fee
            • Reports to three major credit bureaus
          • Cons:
            • Annual fee
            • Additional fees and high APR
            • No rewards system
          • Benefits:
            • Greater access to credit than before - $700 credit limit;
            • Get a Mastercard accepted online, in store and in app;
            • Account history is reported to the three major credit bureaus in the U.S;
            • $0 liability for unauthorized use;
            • Access your account online or from your mobile device 24/7.
          View all Milestone Mastercard® details
          Apply now
          On The Bank of MissouriÔÇśs site
          Card detail
          Fortiva® Mastercard® The Bank of Missouri
          Annual fee:
          $49 - $175 for the first year
          $0 - $49 thereafter
          Regular APR:
          22.74% - 36.00%
          Our Rating:
          1.92
          scorer
          Credit score
          No Credit History to Fair (0-669)
          • Balance Transfer APR:
            25.74% - 36.00%
          • Issuer name:
            The Bank of Missouri
          • Details:

            The Fortiva® Mastercard® is an unsecured credit card for people with poor or no credit.

            The Card's annual fee: $49 - $175 for the first year, $0 - $49 thereafter.

            The Fortiva® Mastercard® has a high interest rate of 22.74% - 36.00% (Regular APR).

            The Fortiva® Mastercard® reports to all three credit bureaus, which can help you quickly boost your credit score.

          • Pros:
            • No security deposit required
            • Simple and Secure Application
            • Instant credit decision
          • Cons:
            • Annual Fee
            • Foreign Transaction Fee
            • High APR
            • Extra Fees
          • Benefits:
            • $0 Fraud Liability;
            • Free Credit Score;
            • Payment history reported to all three major bureaus.
          Card detail
          Verve Mastercard® The Bank of Missouri
          Annual fee:
          $99 annually
          Regular APR:
          25.90% Variable
          Our Rating:
          1.11
          scorer
          Credit score
          No Credit History to Fair (0-669)
            • Issuer name:
              The Bank of Missouri
            • Details:

              The Verve Mastercard® Credit Card is an unsecured card for building credit.

              The Verve Mastercard® costs $99 annually.

              The Card's APR: 25.90% for purchases (Variable APR).

            • Pros:
              • Fast and easy application process
            • Cons:
              • High APR
              • Annual Fee
              • Foreign Transaction Fee
            • Benefits:
              • Monthly reporting to the three major credit bureaus;
              • Initial credit limit ranges from $300 to $1,000;
              • Potential Credit Limit Increase after just 6 months.
            Card detail
            Cerulean Mastercard® from The Bank of Missouri
            Annual fee:
            $99
            Regular APR:
            25.90% Variable
            Our Rating:
            1.11
            scorer
            Credit score
            No Credit History to Fair (0-669)
              • Issuer name:
                The Bank of Missouri
              • Details:
                Cerulean Mastercard® from The Bank of Missouri offers an unsecured credit card with fair credit limits (from $300 to $1,000) and monthly reporting to the major credit bureaus. Moreover, there's a potential credit limit increase after 6 months if you pay your bills fully on time.
                Cerulean Mastercard® is ideal for those who want to establish a good credit history with timely payments, while not having the funds for a security deposit.
              • Pros:
                • You can apply regardless of your credit score
                • The initial credit limit ranges from $300 to $1,000
                • Potential credit limit Increase after just 6 months
                • $0 Fraud Liability
                • Monthly reports to the three major credit bureaus
              • Cons:
                • Annual fee of $99
                • Foreign Transaction Fee of 3% in the U.S. dollars
              • Benefits:
              Card detail
              The Bank of Missouri Ollo Platinum
              Annual fee:
              $0
              Regular APR:
              23.99% - 28.99% Variable
              Our Rating:
              2.49
              scorer
              Credit score
              Poor to Fair (300-669)
              • Balance Transfer APR:
                23.99% - 28.99% Variable
              • Issuer name:
                The Bank of Missouri
              • Details:

                The Ollo Platinum Credit Card is a credit-building card. The Card provides free access to your online FICO® Score.

                The APR for both purchases and balance transfers is 23.99% - 28.99% (Variable).

                The Ollo Platinum doesnÔÇÖt charge a penalty APR for late payments, returned payments, or foreign transaction fees. Plus, the Card has no annual fee.

              • Pros:
                • No Annual Fee
                • No Foreign Transaction Fee
              • Cons:
                • High APR
                • No welcome bonus
                • No Intro APR period
                • Application by invitation only
              • Benefits:
                • Automatic credit line increase reviews;
                • Free FICO┬« Score available online.
              Card detail
              The Bank of Missouri Ollo Rewards
              Annual fee:
              $0 - $39 annually
              Regular APR:
              23.99% - 28.99% Variable
              Our Rating:
              3.52
              scorer
              Credit score
              Poor to Fair (300-669)
              • Rewards Rate:
                • 2% Cash Back on all gas station, grocery store and drugstore purchases.
                • 1% Cash Back on all other purchases.
              • Balance Transfer APR:
                23.99% - 28.99% Variable
              • Issuer name:
                The Bank of Missouri
              • Details:

                The Ollo Rewards Credit Card offers 2% Cash Back on all gas station, grocery store, drugstore purchases and 1% Cash Back on all other purchases.

                The APR for both purchases and balance transfers is 23.99% - 28.99% (Variable).

                The Card's annual fee: $0 - $39.

              • Pros:
                • No Foreign Transaction Fee
              • Cons:
                • High APR
                • Annual Fee
                • Application by invitation only
                • No Intro Period
              • Benefits:
                • 2% Cash Back on all gas station, grocery store and drugstore purchases;
                • 1% Cash Back on all other purchases;
                • Zero Fraud Liability.
              Card detail
              The Bank of Missouri Ollo Optimum Mastercard®
              Annual fee:
              $0 - $39 annually
              Regular APR:
              24.99% - 28.99% Variable
              Our Rating:
              3.5
              scorer
              Credit score
              Fair to Good (580-739)
              • Rewards Rate:
                • 2.5% Cash Back on all purchases.
              • Balance Transfer APR:
                24.99% - 28.99% Variable
              • Issuer name:
                The Bank of Missouri
              • Details:

                The Ollo Optimum Mastercard® Credit Card earns 2.5% Cash Back on all purchases.

                The Card's annual fee: $0 - $39. The APR for purchases and balance transfers is 24.99% - 28.99% (Variable).

              • Pros:
                • No Foreign Transaction Fee
              • Cons:
                • High APR
              • Benefits:
                • 2.5% Cash Back on all purchases;
                • Zero Fraud Liability.
              Card detail

              The Bank of Missouri credit cards

              The Bank of Missouri is a community bank with more than 30 branches throughout Missouri and has been in operation for over 100 years.

              The bank issues unsecured credit cards to help people with poor to fair credit improve their scores without paying an upfront security deposit.

              We will review each of the credit cards issued by the Bank of Missouri below so that you can make an informed decision and choose a card that will help you build credit faster.

              Side-by-Side Comparison of The Bank of Missouri Credit Cards

              Card Name APR Annual fee Rewards Intro offer
              First Access Visa® 34.99% $48
            • This card doesn't offer cash back, miles or points.
            • No current offer.
            • Milestone Mastercard┬« 35.9% $49
            • This card doesn't offer cash back, miles or points.
            • No current offer.
            • FIT┬« Platinum Mastercard┬« 29.99% Variable $99
            • This card doesn't offer cash back, miles or points.
            • No current offer.
            • Total Visa┬« Unsecured 34.99% Regular APR. $
            • This card doesn't offer cash back, miles or points.
            • No current offer.
            • Total Visa┬« Unsecured 35.99% * $48
            • This card doesn't offer cash back, miles or points.
            • No current offer.
            • Fortiva┬« Mastercard┬« 22.74% - 36.00% $0 - $49
            • This card doesn't offer cash back, miles or points.
            • No current offer.
            • Verve Mastercard┬« 25.90% Variable $99
            • This card doesn't offer cash back, miles or points.
            • No current offer.
            • Cerulean Mastercard┬« 25.90% Variable $99
            • This card doesn't offer cash back, miles or points.
            • No current offer.
            • Ollo Platinum 23.99% - 28.99% Variable $0
            • This card doesn't offer cash back, miles or points.
            • No current offer.
            • Ollo Rewards 23.99% - 28.99% Variable $0 - $39
            • 2% Cash Back on all gas station, grocery store and drugstore purchases.
            • 1% Cash Back on all other purchases.
            • No current offer.
            • Ollo Optimum Mastercard┬« 24.99% - 28.99% Variable $0 - $39
            • 2.5% Cash Back on all purchases.
            • No current offer.
            • SoFi 15.24% - 27.24% Variable $0
            • 2% Cash Back per $1 spent on eligible purchases.
            • 3% Cash Back on your credit card for a year with direct deposit.
            • $300 Earn $300 when you fund an Invest account as well as a Checking and Savings account after getting approved for the SoFi Credit Card.
            • First Phase Visa┬« 34.99% $48
            • This card doesn't offer cash back, miles or points.
            • No current offer.
            • Aspire┬« 22.74% - 36.00% $0 - $49
            • This card doesn't offer cash back, miles or points.
            • No current offer.
            • First Access Visa┬«

              The First Access Visa® is an unsecured credit card issued by the Bank of Missouri. It's meant for those with less-than-stellar credit looking to build or rebuild their credit. The card comes with an initial credit limit of $300, and a high APR of 34.99%.

              Since the First Access Visa doesnÔÇÖt require a security deposit, it may be a good choice if you want to improve your credit score but don't have the cash to put down for a secured credit card.

              However, there's a price to pay as the card comes with a series of non-refundable fees.

              First, you'll be required to pay a $95 one-time program fee for account opening and a $75 annual fee for the first year ($48 thereafter). The annual fee is deducted from your credit limit before you begin using the card, which reduces your available credit.You can get additional cards at an annual fee of $29 per card.

              You'll also incur a monthly serving fee of $8.25 or $99 annually (waived the first year) and a 20% credit increase fee if you receive a credit limit increase.

              Other fees the First Access Visa carries include:

              • $10 or 3% cash advance fee, waived the first year
              • $35 Express delivery fee
              • Up to $40 fee for late payment and returned payments

              If you want to build or rebuild credit but don't have the cash to put down a deposit for a secured credit card, the First Access Visa® may work for you. You qualify for a $300 credit limit without a security deposit, but you need to be aware of the above mentioned predatory fees that come with the card.

              Milestone Mastercard®

              The Milestone Mastercard® is another unsecured credit card issued by the Bank of Missouri designed for borrowers struggling with a challenging credit history.

              It comes with an initial credit limit of $300 with no security deposit required and a regular APR of 35.9%. You'll also face an annual fee of $49, depending on your creditworthiness.

              The card doesn't offer rewards or low introductory APR, but for someone looking to fix a less-than-perfect credit history, those shouldn't be the focus.

              The Milestone Mastercard┬« is an unsecured credit card that doesn't require an upfront security deposit. If youÔÇÖre looking to build a solid credit foundation but donÔÇÖt have the money to get a secured credit card, this card may be a good fit for.

              FIT® Platinum Mastercard®

              The FIT® Platinum Mastercard® is designed to help individuals with poor credit build or re-establish their credit profiles. This unsecured credit card available to borrowers across the credit spectrum doesn't require an upfront security deposit and can be used anywhere Mastercard is accepted.

              The card has an initial credit limit of $400 and charges a 29.99% APR on purchases and cash advances. The good part is, you have a chance to get your credit limit doubled to $800 within six months of responsible card usage. The card has no minimum interest charge.

              However, the FIT® Platinum Mastercard® comes with a slew of non-refundable fees that can increase your card-carrying costs. The highest is the $99 annual fee, followed by the one-time processing fee of $89 and the monthly maintenance fee of $6.25 per month or $75 annually (waived for the first year).

              These setup and maintenance fees are charged before you begin using your card, which may significantly reduce your available credit.

              Other fees on the card include:

              • $30 one-time fee for each authorized user
              • 3% foreign transaction fee
              • $5 or 5% cash advance fee
              • Penalty fees of up to $40 for late or returned payment
              • $10.95 fee each time you pay by phone

              Though the FIT® Platinum Mastercard® has a high APR of 29.99% and charges a myriad of fees, it offers a higher initial credit limit of $400 you can double in only six months.

              If you want to build or rebuild your credit and have faced rejection from other card issuers, you may opt for this card as it does not require an upfront security deposit.

              Total Visa® Unsecured

              The Total Visa® Unsecured may be a good choice for those who have faced financial challenges in the past and struggle to access credit. The card has an initial credit limit of $300, 35.99% APR on purchases and cash advances, and a minimum interest charge of no less than $1. The card has an annual fee of $164 for the first year, reduced to $48 thereafter.

              You can use the card online and in-store where Visa is accepted, and all card activity is reported to all three major credit bureaus.

              That said, the card comes with a series of other fees that you need to be aware of. These include a $89 program fee to open your account, a monthly servicing fee of $6.25 per month or $75 annually, a $29 annual fee for each authorized user, and a credit limit increase fee of 20%.

              Other fees that you may incur while using the card include a $10 or 3% cash advance fee, a $35 express delivery fee, and penalty fees up to $40 for late or returned payments.

              The Total Visa® Unsecured credit card may be a good fit for anyone with a challenging past credit history who doesn't have the cash to pay for a secured credit card. You get a quick pre-approval, and once you qualify, card activity is reported to all three major bureaus.

              How to choose the right Bank of Missouri credit card

              Credit cards issued by the Bank of Missouri are meant to help you build or rebuild your credit. All the cards in our list report card activity to all three major credit bureaus, which is necessary to help you build credit faster.

              Thus, you need to choose a card that has a lower APR and fewer fees as that will help you reduce your interest and card-carrying costs. We recommend the Milestone Mastercard® for its lower APR of 35.9% and zero predatory fees.

              How to make the most of the Bank of Missouri credit cards

              The Bank of Missouri cards on our list are targeted toward borrowers with less-than-perfect credit scores who want to build or rebuild their credit. These cards come with many expensive fees and high APRs.

              To make the most of these credit cards, make sure you pay your balance in full each billing cycle to avoid the high APR and penalty fees. Making only the minimum monthly payments will makeyour debt accumulate quickly, given the sky-high APRs these cards charge.

              Also, keep your credit utilization below 30% and avoid failed payments to prevent returned payment fees.

              Are The Bank of Missouri credit cards worth it?

              As you can see, credit cards issued by The Bank of Missouri come with high APRs and a series of fees, which can increase your costs and reduce your available credit.

              But if you have poor or no credit and no cash to get a secured credit card, these cards may be worth it.

              You can use these cards to improve your credit score so that you can qualify for a better credit card at favorable terms.

              FAQ

              What credit cards are issued by the Bank of Missouri?

              The top credit cards issued by the Bank of Missouri include the First Access Visa®, FIT® Platinum Mastercard®, Milestone Mastercard®, and Total Visa® Unsecured.

              Is the Bank of Missouri a legitimate bank?

              Yes, Bank of Missouri is a legitimate independent community bank that has operated for over 100 years and has more than 30 branches throughout Missouri.

              What are the other credit cards to consider?

              If you have some cash to put down a security deposit, you should first consider secured credit cards from other issuers and only consider the unsecured credit cards issued by the Bank of Missouri as the last resort.

              Some of the best secured credit cards include The Capital One Platinum Platinum Secured Mastercard®, Discover it® Secured Credit Card, U.S. Bank Secured Visa, OpenSky® Secured Visa®, and others. Some of these cards earn rewards and carry no annual fee, allowing you to earn the cost of the deposit back in the form of cash back.

              Anastasia StaplesAnastasia Staples

              Credit cards expert, editor

              content@myfin.us