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Bank of Missouri Visa® College Real Rewards Card

  • Regular Purchase APR   15.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months from account opening date
  • Balance Transfer APR  15.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% variable based on the Prime Rate
  • Annual Fee  None
  • Credit Needed  Poor , No Credit Required
  • Processing Network Visa

Best Benefits
  • Earn 1.5x rewards per dollar spent on eligible purchases
  • 2,500 bonus rewards points after first purchase – equal to $25
  • No annual fee
  • $0 fraud liability
Rates & Fees
     Intro Purchase APR: 0% for 6 months from account opening date
     Regular Purchase APR: 15.99% to 24.99% 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: 15.99% to 24.99% 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: 25.99% 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: N/A
     Annual Fee: None
     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: Up to $35
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Poor , No Credit Required

 

At a Glance

The Bank of Missouri’s Visa® College Real Rewards Card is a solid student card option for anyone over the age of 18 who’s looking to build their credit history while building their knowledge at school. College can be expensive, but students who use this card will earn 1.5 points for every dollar they spend on eligible net purchases – that’s equal to 1.5% cash back.

The Gist

Building credit can be difficult, especially on a college budget. Many students don’t realize that they need a credit card account to begin this process. The Bank of Missouri’s Visa® College Real Rewards Card is a great card offer for students who would like to earn rewards while they augment their credit history. No annual fee means your wallet won’t take a hit, and the 2,500 bonus rewards points that students can earn after making their first purchase (which can be redeemed as a cash back reward equal to a $25 statement credit; points will be applied to merchandise, gift cards, or even travel savings) just sweetens the deal.

Students will earn 1.5x points for every dollar they spend, so rewards are earned whether buying textbooks for the semester, hitting the movies with friends after class, or heading to Starbucks before a late-night study session. There’s no cap or limit to the number of points you can accumulate, with the Bank of Missouri Visa® College Real Rewards Card and points expire five years after they are earned on eligible net purchases, so you have plenty of time to save up for something special.

Another great benefit that students can take advantage of is the introductory interest offer that comes with the Visa® Real Rewards Card. For a student card, an APR of 0% for the first 6 billing cycles is very generous and will definitely go a long way toward helping cardholders save money when they make a big purchase at the beginning of the semester (Looking at you, textbooks!).

Students will also benefit from a variety of other important features that include protection from fraudulent purchases, auto rental collision damage, and 24-hour cardmember service. For students looking for a great first card offer, using the VBank of Missouri Visa® College Real Rewards Card to earn points will be a credit to your credit score.

Apply for This Card if You:

  • Want to build credit history while you study with the Bank of Missouri 
  • Would like a bonus reward of 2,500 points just for making your first purchase
  • Will take advantage of an introductory APR of 0% for six months
  • Want to earn 1.5x points on all eligible purchases

 

Editorial Disclosure — The opinions expressed on BestCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Further, BestCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge.

Published: August 7, 2019 8:32 am

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