Updated: July 26, 2024
Advertising & Editorial Disclosure
MoneyGeek partners with leading industry experts and advertisers to help you get to your financial happy place. Our content is accurate when posted but offers may change over time. We may receive compensation for partner advertisements, but our editorial team independently reviews and ranks products. Learn more about our editorial policies.
The Bank of Missouri is an FDIC-insured bank. Generally, they accept those with poor to fair credit scores and offer personal credit cards, both secured and unsecured. They also issue personal credit cards through Aspire, Continental Finance, SoFi and Fortiva.
The Bank of Missouri offers financial products, including five personal credit cards that MoneyGeek evaluated for individuals with poor credit to rebuild their credit history. Their cards provide $0 liability for unauthorized use. They also issue credit cards through Continental Finance, SoFi and Fortiva to help individuals rebuild their credit history and via Aspire so cardholders can earn cash back.
| Credit Card | MoneyGeek Rating | About | APR | Annual Fee | Recommended Credit |
|---|---|---|---|---|---|
| An unsecured credit card meant for those who wish to rebuild their credit | 35.90% Fixed | $99 introductory fee for the first year, then $125 thereafter | (No Credit History) | ||
| Good choice for rebuilding your credit without paying a security deposit. | 35.9% | $175 the first year; $49 thereafter | 300 – 670 (Bad to Fair) on partners secure website | ||
| An unsecured credit card for people with poor or average credit (with big fees) | 35.99% | $75.00 for first year. After that, $48.00 annually. See terms for additional fees. | None–Fair |
Outside of the featured cards listed above, The Bank of Missouri issues other credit cards, including the following:
MoneyGeek lists the best The Bank of Missouri credit cards per month. This list may change based on welcome bonuses, reward categories and other criteria.
On Partner's Website
If you want to apply for The Bank of Missouri credit card, MoneyGeek answered the most frequently asked questions to guide you through the issuer’s processes and rules.
The Bank of Missouri usually accepts the applications of individuals with poor to fair credit scores, which means your credit score should be at least 300. In other cases, they accept those with no credit history.
Upon checking The Bank of Missouri website, there is no written guide on how many cards you can own with the same issuer. It’s advisable to call or write to The Bank of Missouri and ask them directly.
The Bank of Missouri has not listed a limit on how many times you can apply for a credit card within a specific time frame, but it’s best to contact the issuer directly and find out.
The Bank of Missouri can only approve an additional card after 90 days. If you have already applied for an account and are looking to apply for a new one in less than 90 days, the issuer could decline to process your application.
The credit cards that The Bank of Missouri offers are generally straightforward and don’t have a welcome bonus.
Aside from fees and costs, it’s important to consider different factors when you’re looking for the best credit card for you. The table below shows what to check when considering The Bank of Missouri.
Feature | Description |
|---|---|
Customer Service & Satisfaction | The Bank of Missouri receives relatively fewer complaints from customers as reported by the Consumer Financial Protection Bureau (CFPB). The CFPB is a government-sponsored agency that aims to protect consumers. Additionally, their customer service is accessible since each card has a specific customer service number that you can call or email. Through their online and mobile banking, you can live chat with their support team. |
Security & Credit Monitoring Services | The Bank of Missouri typically has zero fraud liability for its credit cards. If your card or account is lost, stolen or used without your authorization, you aren’t liable for its use. However, you need to immediately notify the issuer through a call. |
Loyalty Programs & Other Issuer Perks | Perks and benefits depend on which card you’re getting with The Bank of Missouri. For example, the First Access Solid Black VISA® Credit Card doesn’t offer as many rewards or benefits since it’s designed for those with no credit or poor credit history. Meanwhile, the Aspire® Mastercard® Cash Back Reward Credit Card allows cardholders to earn a 3% cash back on eligible grocery, gas and utility purchases and earn a 1% cash back on other eligible purchases in the United States. |
Authorized Users | If you’re looking to add an authorized user with The Bank of Missouri card, you’ll likely need to pay an Additional Card Fee each year. |
Purchase Protection | The Bank of Missouri doesn’t offer purchase protection for its cards. |
Co-Branding & Partnerships | The Bank of Missouri has partnerships with Aspire, Continental Finance, SoFi and Fortiva. The SoFi credit card features DoorDash, Lyft and ShopRunner. |
Other Products Offered | The Bank of Missouri offers financial services for personal use, businesses and long-term investments, including:
|
Getting credit cards with The Bank of Missouri is ideal for individuals with no or poor credit looking to build or rebuild their credit history. Since they offer cards to high-risk profiles, their cards generally have a high APR of 34.99%, a one-time program fee of $89, an annual fee of $75 for the first year and $48 for succeeding years along with a monthly service fee of $75 per year after the first 12 months. The issuer’s credit cards are straightforward and don’t usually offer rewards since their main purpose is to help individuals rebuild credit.
Getting a card with The Bank of Missouri may benefit the following people:
An individual looking to build credit
It’s generally easy to get the Total Visa or First Access Solid Black Visa card with its minimum credit requirement.
Those looking to get a card immediately
With the Total Visa card, you can apply on their website and get a response within a minute. If your application is approved, you’ll receive your card via mail. You’ll need to pay the one-time program fee before activating it.
"Although it may be easier to get approved for a credit card from the Bank of Missouri, the amount of fees that some of its cards charge can quickly eat up your available credit. You may be better off applying for a secured card from another issuer that has no application, origination, or monthly/annual fees. If you do apply for a card with these fees, make a goal to build your credit as quickly as possible so that you can qualify for a no-fee card and close this one once the new card has been opened."
- Lee Huffman, credit card expert at BaldThoughts.com
If you don’t meet The Bank of Missouri’s specific criteria or are still undecided, try other issuing banks or the best cards for bad credit.
About Doug Milnes, CFA
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
