The Bank of Missouri Credit Card Reviews, Rules & Opinions

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Updated: June 13, 2024

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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.

Featured Credit Cards Offered by The Bank of Missouri

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
    Avg. Reward Rate
    Annual Fee
    Credit Needed
  • First Access Solid Black Visa® Credit Card
    First Access Solid Black Visa® Credit Card
    Bad Credit
  • Fit Mastercard® Credit Card
    Fit Mastercard® Credit Card
    Bad Credit
  • Milestone Mastercard® - $700 Credit Limit
    Milestone Mastercard® - $700 Credit Limit
    Fair Credit
    See terms*
  • Total Visa® Card
    Total Visa® Card
    Bad Credit
    See Terms

Other Cards Issued by The Bank of Missouri

Outside of the featured cards listed above, The Bank of Missouri issues other credit cards, including the following:

  • Verve Mastercard Credit Card: Best for those with low credit scores who want to work towards increasing their credit limit.
  • SoFi Credit Card: Best for individuals who want to cash in into cryptocurrency and get rewards with partner brands like DoorDash and Lyft.
  • Fortiva Mastercard Credit Card: Best for those who are looking to build credit through daily or unexpected expenses.
  • Aspire Mastercard Cash Back Reward Card: Best for individuals looking to earn rewards and cash back for eligible purchases with an unsecured card.

The Best The Bank of Missouri Credit Cards in 2024

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.

First Access Solid Black Visa® Credit Card

Rewards RateN/A
Annual FeeN/A
Recommended CreditN/A
Total Visa® Card

Rewards RateN/A
APRSee Terms
Annual FeeSee Terms
Recommended CreditNone–Fair
Milestone Mastercard® - $700 Credit Limit

Rewards RateN/A
APRSee terms*
Annual Fee$175 the first year; $49 thereafter
Recommended Credit300 – 670 (Bad to Fair)

Rules for Applying, Acceptance & Welcome Bonuses

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.

What is the accepted credit score range for most cards?
How many cards can you own?
How many times can you apply?
How many times can you get approved?
How many times can you claim a welcome bonus?

Other Considerations About The Bank of Missouri

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.


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.

Overall Opinion of The Bank of Missouri & Their Credit Card Offerings

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:

    highschoolStudent icon

    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.

    boyThinking icon

    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.

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"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

Still Not Sure About This Issuer? Consider These Options.

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.

Learn more about credit cards in general

About Doug Milnes, CFA

Doug Milnes, CFA headshot

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.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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