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.

• 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)

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.

• Rewards
  • Earn 1% cash back on payments made to your Total Credit Card.
• APRs, Fees, and Penalties
  • A one-time $95 program fee is required to open your account.
• Perks & Benefits
  • No security deposit is needed.
  • Access a user-friendly mobile app.
• Account Requirements
  • A checking account is required.
• Credit Limit
  • The credit limit is $300, subject to available credit.

The Milestone Mastercard® is a solid choice for those looking to build or rebuild their credit, especially if past financial issues have made obtaining credit challenging. It doesn't require a security deposit and offers a moderate credit limit. Its reporting to major credit bureaus is particularly valuable, aiding in credit score improvement. The card's universal acceptance and mobile account access are convenient for everyday use. However, consider its higher fees and APR to ensure you balance these against the potential credit-building benefits.

• Credit Building Features    
  • Enjoy a $700 credit limit, offering greater access to credit.    
  • Your account history is reported to the three major credit bureaus in the U.S., helping you build your credit profile.  
• Accessibility and Convenience    
  • Use your Mastercard online, in-store, and in-app for versatile spending options.    
  • Access your account information 24/7, even on mobile, for convenient management.  
• Application Process  
  • Apply quickly and easily with our fast decision process.    
  • No security deposit is required, even if your credit isn't perfect