Last updated on September 12th, 2023
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Bank of Missouri Visa® Business Real Rewards Card
Bank of Missouri Visa® Business Real Rewards Card
- 13.99% to 22.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.99% to 22.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 23.99% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1.5 points for every eligible net $1 you spend
- Earn 2,500 bonus rewards points after first purchase
- No caps or limits on the points you can earn; redeem points for cash back, merchandise, gift cards or travel savings
- No annual fee and free employee cards with individual credit limits
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months on transfers made within 186 days from account opening date
- Balance Transfer APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 23.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Penalty APR: 28.99% variable based on the Prime Rate
- Foreign Transaction Fee: 2% of the transaction amount or foreign ATM advance transaction in U.S. dollars. 3% of the transaction amount or foreign ATM advance transaction in a foreign currency
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $35
- Over Limit Penalty Fee: $39
At a Glance
When growing a business, more choices can mean more value – and a rewards card that gives you flexibility both in how you earn rewards and in how you redeem them will prove to be valuable. Enter the Bank of Missouri Visa® Business Real Rewards Card, with unlimited points earned on eligible net spending at a rate of 1.5x points per dollar and quite a few perks that will help you grow both your business and your credit history.
Ideal for Those Who:
- Want to grow your small business
- Do not want to pay an annual fee
- Want to earn 1.5x points per dollar spent on business purchases
- Would take advantage of a 2,500 point bonus
Bank of Missouri Visa® Business Real Rewards Card Review
The Bank of Missouri Visa® Business Real Rewards Card is a great way to earn points that can be redeemed for merchandise, travel, gift cards, and as a cash back credit for your business. In fact, you’ll earn 1.5 points for every eligible dollar you spend, with no caps or limits to your point earning potential; points expire five years after they are earned. And to sweeten the deal, you’ll also receive a special rewards bonus equivalent to a $25 statement credit: 2,500 points will be applied to your account when you make your first purchase.
An introductory APR of 0% is available for the first six months that your account is active, both on purchases and on balance transfers. Note that this introductory APR is applicable to balance transfers that are transferred within 186 days from the account opening date.
There is no annual fee with the Bank of Missouri Visa® Business Real Rewards Card. Cardholders will also be able to issue cards with individual credit limits to their employees at no additional charge. Additionally, the rewards points earned from each employee card purchase can be added to the business owner’s points total. You’ll have access to a convenient online expense management that allows you to organize and track your overall spending and points totals, as well as keep an eye on each individual card. If an employee misuses their card, you’ll even be protected for up to $100,000.
Should You Apply for the Bank of Missouri Visa® Business Real Rewards Card?
The Bank of Missouri Visa® Business Real Rewards Card really rewards you when you use it regularly for your business. In addition to the perks mentioned above, you’ll also receive the benefits that all businesses receive from their Visa credit card account. Enjoy protection from fraudulent use of your card or account information, extended warranties on purchases made with your card, purchase protection, auto rental collision damage waiver insurance, and even special discounts with Visa SavingsEdge.