The Bank of Missouri Credit Card Reviews, Rules & Opinions

The First Access Solid Black Visa® Credit Card might work well for people who have poor credit and want to improve their creditworthiness. This card reports your payment history to the top three credit bureaus. While this card comes with a Visa affiliation, you cannot use it outside of the U.S.

Getting this card requires that you pay a one-time program fee of $95. The initial credit limit of this card is $300, although your initial available credit is $225. This is because the card applies your first year’s $75 annual fee in advance. The annual fee from the second year is $48. You also need to pay a monthly fee of $8.25 from the second year, which is billed annually. While you may increase your credit limit after 12 months, each increase requires that you pay 20% of the increased limit as fee.

Given this card’s reasonably high fees, you may consider using it until you see an improvement in your credit score. You might then qualify for an unsecured card or a secured card with lower fees.

Pros

• Can qualify with average or poor credit
• Reports to Experian, TransUnion and Equifax
• Multiple card images from which to choose

• Available for people with poor credit
• Reports to the top three credit bureaus
• $95 one-time program fee
• $75 annual fee for the first year, $48 thereafter
• $8.25 monthly fee from the second year (billed annually at $99)
• $29 additional card fee (billed annually)

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

The Total Visa® Card might work well for people who have poor or average creditworthiness and don’t want to pay security deposits to get secured credit cards. You may apply for this card as long as you’re a U.S. resident, are over 18 years old and have an active checking account.

Getting this card requires that you pay fees in different forms. In the long run, it might end up costing more than the security deposit of a secured card. Once approved, you need to pay an $89 program fee to activate your account. The card charges a $75 annual fee for the first year, and $48.00 per year going forward. You also need to pay a $6.25 monthly servicing fee from the second year.

Pay particular attention to the card’s high APR if you plan to maintain revolving balances in your account from one month to the next. The issuer applies the first year’s annual fee in advance which effectively brings down the card’s initial $300 credit limit to $225.

Ideally, you may use this card by paying off your balances in full each month. Upon seeing improvement in your credit score, you may then consider applying for a card that goes easy on the fees.

Pros

• Available for people with poor or average credit
• Does not require a security deposit
• Option to choose your card’s design
• Monthly reporting to credit bureaus

• You may qualify with poor or average credit
• No need to pay a security deposit
• Credit limit of $300
• One-time program fee of $89
• Annual fee of $75 for the first year, $48 thereafter
• Monthly servicing fee of $6.25 from the second year
• $29.00 annual fee for each authorized user
• Credit limit increase fee of 20%

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

The Milestone® Gold Mastercard® is an excellent option for people who want to rebuild their credit without paying a security deposit. As long as you pay your balances on time, you’ll see a positive effect on your credit reports issued by the three major credit bureaus. Additionally, pre-qualifying for the card doesn’t negatively impact your credit score.

Since this is a Mastercard-affiliated card, you may use it globally. Fraud protection also ensures that you’re not held responsible for charges you don’t make.

Pros

• Ideal for rebuilding credit
• Does not require a security deposit
• Pay no cash advance fees for the first year
• Reports to three major credit bureaus

• Applying for this card does not require a security deposit.
• It reports your payment history to three major credit bureaus and helps build your creditworthiness.
• Annual fees you end up paying depend on your credit score.
• Benefit by paying no cash advance fees during the first year.
• The card finds global acceptance.
• It comes with fraud protection.
• It offers 24/7 online account management.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.