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, 2025

Best Credit Cards in May 2025

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FITā„¢ Platinum MastercardĀ® best for Unsecured

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FITā„¢ Platinum MastercardĀ® The Bank of Missouri
Annual fee:
See terms
Regular APR:
35.90% Fixed
Our Rating:
3.9
scorer
Credit score
No Credit History to Poor (0-579)
    • Issuer name:
      The Bank of Missouri
    • Details:

      The FITā„¢ Platinum MastercardĀ® Credit Card helps to rebuild or build your credit.

      The monthly maintenance fee for the second year will be $150 per year ($12.50 per month). The Processing Fee is $95 (one-time fee).

      The FITā„¢ Platinum MastercardĀ® 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:
      • 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:
      • $400 Initial Credit Limit;
      • Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit;
      • Unsecured credit card requires No Security Deposit;
      • Perfect card for everyday purchases and unexpected expenses;
      • Monthly reporting to the three major credit bureaus;
      • Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements);
      • Use your card everywhere Mastercard is accepted at millions of locations;
      • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines).
    View all FITā„¢ Platinum MastercardĀ® details
    Apply now
    On Continental Finance site
    Card detail

    First Access VisaĀ® Card best for Low income

    Apply now
    First Access VisaĀ® The Bank of Missouri
    Annual fee:
    $75.00 for the 1st year, $48.00 after
    Regular APR:
    35.99%
    Our Rating:
    4.2
    scorer
    Credit score
    No Credit History to Fair (0-669)
    • Rewards Rate:
      • 1% Earn 1% cash back rewards on payments made to your First Access Credit Card.
    • Issuer name:
      The Bank of Missouri
    • Details:

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

      The First Access VisaĀ® Card's APR: 35.99%.

      The First Access VisaĀ® Card is not a secured credit card, meaning applicants don’t 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
    • Benefits:
      • 1% Cash Back rewards on payments made to your First Access Credit Card;
      • First Access Visa credit card accepted nationwide;
      • Rebuild your credit;
      • Easy and Secure Online Application.
    View all First Access VisaĀ® details
    Apply now
    On the First Access VisaĀ® Card secure website
    Card detail
    Apply now
    Total VisaĀ® Card The Bank of Missouri
    Annual fee:
    $75.00 for the 1st year, $48.00 after
    Regular APR:
    35.99% *
    Our Rating:
    3.32
    scorer
    Credit score
    Rebuilding Credit to Fair (0-669)
    • Rewards Rate:
      • 1% Cash Back on all purchases.
    • Issuer name:
      The Bank of Missouri
    • Details:

      The Total VisaĀ® Card is a credit card for people with bad credit score or limited credit. It does not require a credit check to apply.

      The Total VisaĀ® Card's Regular APR is 35.99%.

      The Total VisaĀ® Card 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 VisaĀ® Card details
    Apply now
    On the Total VisaĀ® Card secure website
    Card detail

    The Bank of Missouri DestinyĀ® MastercardĀ® best for Unsecured

    Apply now
    DestinyĀ® MastercardĀ® The Bank of Missouri
    Annual fee:
    *see terms*
    Regular APR:
    35.9%
    Our Rating:
    1.47
    scorer
    Credit score
    No Credit History to Fair (0-669)
      • Issuer name:
        The Bank of Missouri
      • Details:

        The DestinyĀ® MastercardĀ® is a good credit card for people with poor or no credit.

        The DestinyĀ® MastercardĀ® charges a high Regular APR of 35.90% and does not provide any intro APR offer.

      • Pros:
        • No monthly fees
        • Prior bankruptcies are acceptable
        • Liability protection
        • No security deposit required
      • Cons:
        • No reward
        • High-interest rates
        • No mobile app
        • Credit limit
      • Benefits:
        • MastercardĀ® benefits;
        • Fraud protection;
        • Reports to all three major credit bureaus.
      View all DestinyĀ® MastercardĀ® details
      Apply now
      On The Bank of Missouriā€˜s site
      Card detail
      FortivaĀ® MastercardĀ® 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 FortivaĀ® MastercardĀ® 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 FortivaĀ® MastercardĀ® has a high interest rate of 22.74% - 36.00% (Regular APR).

        The FortivaĀ® MastercardĀ® 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 MastercardĀ® The Bank of Missouri
      Annual fee:
      $99 annually
      Regular APR:
      35.90% Variable
      Our Rating:
      0.88
      scorer
      Credit score
      No Credit History to Fair (0-669)
        • Issuer name:
          The Bank of Missouri
        • Details:

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

          The Verve MastercardĀ® costs $99 annually.

          The Card's APR: 35.90% 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 MastercardĀ® 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 MastercardĀ® 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 MastercardĀ® 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 FICOĀ® Score.

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

            The Ollo Platinum doesn’t 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 FICOĀ® 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 MastercardĀ®
          Annual fee:
          $0 - $39 annually
          Regular APR:
          24.99% Variable
          Our Rating:
          4.17
          scorer
          Credit score
          Fair to Good (580-739)
          • Rewards Rate:
            • 2.5% Cash Back on all purchases.
          • Purchase Intro APR:
            0% Introductory APR for 15 months on Purchases
          • Balance Transfer APR:
            24.99% Variable
          • Issuer name:
            The Bank of Missouri
          • Details:

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

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

          • Pros:
            • No Foreign Transaction Fee
            • Intro APR
          • 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 VisaĀ® 35.99% $75.00 for the 1st year, $48.00 after
        • 1% Earn 1% cash back rewards on payments made to your First Access Credit Card.
        • No current offer.
        • MilestoneĀ® MastercardĀ® 35.9% $49
        • This card doesn't offer cash back, miles or points.
        • No current offer.
        • FITā„¢ Platinum MastercardĀ® 35.90% Fixed See terms
        • This card doesn't offer cash back, miles or points.
        • No current offer.
        • Total VisaĀ® Unsecured 34.99% Regular APR. $
        • This card doesn't offer cash back, miles or points.
        • No current offer.
        • Total VisaĀ® Card 35.99% * $75.00 for the 1st year, $48.00 after
        • 1% Cash Back on all purchases.
        • No current offer.
        • FortivaĀ® MastercardĀ® 22.74% - 36.00% $0 - $49
        • This card doesn't offer cash back, miles or points.
        • No current offer.
        • Verve MastercardĀ® 35.90% Variable $99
        • This card doesn't offer cash back, miles or points.
        • No current offer.
        • Cerulean MastercardĀ® 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 MastercardĀ® 24.99% Variable $0 - $39
        • 2.5% Cash Back on all purchases.
        • No current offer.
        • SoFi 20.24% - 29.99% 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 VisaĀ® 34.99% $48
        • This card doesn't offer cash back, miles or points.
        • No current offer.
        • AspireĀ® 22.74% - 36.00% $0 - $49
        • This card doesn't offer cash back, miles or points.
        • No current offer.
        • First Access VisaĀ®

          The First Access VisaĀ® 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 35.99%.

          Since the First Access Visa doesn’t 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 $75.00 for the 1st year, $48.00 after annual fee for the first year ($75 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 VisaĀ® 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.

          MilestoneĀ® MastercardĀ®

          The MilestoneĀ® MastercardĀ® 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 MilestoneĀ® MastercardĀ® is an unsecured credit card that doesn't require an upfront security deposit. If you’re looking to build a solid credit foundation but don’t have the money to get a secured credit card, this card may be a good fit for.

          FITā„¢ Platinum MastercardĀ®

          The FITā„¢ Platinum MastercardĀ® 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 35.90% 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 FITā„¢ Platinum MastercardĀ® comes with a slew of non-refundable fees that can increase your card-carrying costs. The highest is the See terms 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 FITā„¢ Platinum MastercardĀ® has a high APR of 35.90% 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 VisaĀ® Card

          The Total VisaĀ® Card 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 $75.00 for the 1st year, $48.00 after for the first year, reduced to $75 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 VisaĀ® Card 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 MilestoneĀ® MastercardĀ® 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 VisaĀ®, FITā„¢ Platinum MastercardĀ®, MilestoneĀ® MastercardĀ®, and Total VisaĀ® Card.

          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 MastercardĀ®, Discover itĀ® Secured Credit Card, U.S. Bank Secured Visa, OpenSkyĀ® Secured VisaĀ®, 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