First Phase Visa® from The Bank of Missouri Review
First Phase Visa® from The Bank of Missouri — all information about the credit card.
Updated June 17, 2026
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The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
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First Access Visa® Card
$75.00 for the 1st year, $48.00 after
Annual Fee
35.99%
Regular APR
1%
Earn 1% cash back rewards on payments made to your First Access Credit Card.
Apply now
On the First Access Visa® Card secure website
Total Visa® Card
$75.00 for the 1st year, $48.00 after
Annual Fee
35.99%
Regular APR
1%
Cash Back on all purchases.
Apply now
On the Total Visa® Card secure website
Merrick Bank Secured Credit Card
$36
Annual Fee
22.70%
Regular APR
This card doesn't offer cash back, miles or points.
Apply now
On Merrick Bank‘s site
Rate and fee information
- Purchase Intro APR
- None
- Purchase APR
- 34.99%
- Intro Balance Transfer APR
- None
- Balance Transfers APR
- None
- APR for Cash Advances
- 34.99%
- How to Avoid Paying Interest
- Your due date will be a minimum of 25 days after the close of each billing cycle. You will not be charged interest on new purchases if you pay your entire balance by the due date each month. You will be charged interest on cash advances on the post date.
Fees
- Annual Fee
- $75 for the first year
$48 thereafter
- $75 for the first year
- Fees for Cash Advances
- None for first year (introductory). After that, either $10.00 or 3% of the amount of each cash advance, whichever is greater
- Return Payment
- Up to $40
- Late Payment
- Up to $40
Pros & Cons
Pros:
- Build your credit
Cons:
- Annual Fee
- Balance transfers are not available
- High APR
- No Intro APR period
Features
- Fraud Protection
- Poor Credit
About the issuer
The Bank of Missouri has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Compare with other cards
Unsecured
Destiny® Mastercard®
The Bank of Missouri
Recommended credit score
No Credit History to Fair (0-669)
- *see terms*Annual Fee
- 35.9%Regular APR
- This card doesn't offer cash back, miles or points.
- NonePurchase Intro APR
Apply now
On The Bank of Missouri‘s site
Unsecured
FIT™ Platinum Mastercard®
Recommended credit score
No Credit History to Poor (0-579)
- See termsAnnual Fee
- 35.90%Regular APR
- This card doesn't offer cash back, miles or points.
- NonePurchase Intro APR
Apply now
On Continental Finance site
Walmart purchases
Surge® Platinum Mastercard®
Celtic Bank
Recommended credit score
No Credit History to Poor (0-579)
- $75 - $125Annual Fee
- 35.90%Regular APR
- This card doesn't offer cash back, miles or points.
- NonePurchase Intro APR
Apply now
On Celtic Bank‘s site
See Another Credit Cards in the Bank
The Bank of Missouri First Phase Visa® is an option for those, who need Classic features. With an APR of 34.99% and $75 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have No Credit History to Poor (0-579) credit score. With The Bank of Missouri First Phase Visa® you will get such features as Fraud Protection, Poor Credit, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.
Revvi Card
Recommended credit score
Rebuilding Credit to Fair (0-669)
- $75Annual Fee
- 35.99%Regular APR
- 1%Cash Back rewards^^ on payments made to your Revvi Credit Card.
- NonePurchase Intro APR
Apply now
On the Revvi secure website