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Fortiva® Mastercard® Credit Card
Fortiva® Mastercard® Credit Card
- *See Terms Regular Purchase APR
- *See Terms Balance Transfer APR
- *See Terms Cash Advance APR
At a Glance
The Fortiva® Mastercard® Credit Card fees and APR are very high, but for those who cannot afford the upfront cost of a security deposit, this card can serve as a short-term solution for beginning the journey of rebuilding credit.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Free VantageScore 3.0 (provided by Equifax)
- Reports to all three major credit bureaus
- Mobile app available in Apple Store and Google Play
- $0 fraud liability
- Must receive mail offer in order to apply
- Regular Purchase APR: *See Terms
- Balance Transfer APR: *See Terms
- Balance Transfer Transaction Fee: 3% of the amount of each transfer after the first year
- Cash Advance APR: *See Terms
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $49 to $175 the first year; up to $49 thereafter
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars.
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You have been denied for secured cards from both major and local card issuers
- You have less than $100 disposable income
- You cannot spare cash to use as a secured card security deposit
- You will pay your balance in full every month
- You're looking for a short-term credit card to use to increase your overall credit limit
Aspire® Cashback Rewards Credit Card
Aspire® Cashback Rewards Credit Card
- *See Terms Regular Purchase APR
- *See Terms Balance Transfer APR
- *See Terms Cash Advance APR
At a Glance
You can earn up to 3% cash back while building credit with The Aspire® Cashback Rewards Credit Card. The card, from the Bank of Missouri, provides unlimited 3% cash back on gas station, grocery store, and utility purchases and 1% back on all other eligible purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡
- Earn a 1% Cash Back Reward on all other eligible purchases‡
- Up to $1,000 credit limit subject to credit approval*
- Pre-qualify without affecting your credit score
- No security deposit
- Good anywhere Mastercard® is accepted
- Free access to your credit score †
- $0 fraud liability**
- *Pre-qualified means that information in your credit report indicated that you met certain pre-established credit criteria. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
- † Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 4.0 credit score - provided by TransUnion® is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
- ‡You will earn a 3% cash back reward on eligible gas, grocery, and utility purchases/payments and you will earn a 1% cash back reward on all other eligible purchases, which are for goods and services minus returns and other credits. Rewards will be earned when the transaction posts to your account and will remain as long as the purchase is not returned. Purchases do not include fees or interest charges, balance transfers, cash advances, or purchases of other cash equivalents. Rewards are not earned for pending transactions
- **Fraud liability subject to Mastercard® rules
- Regular Purchase APR: *See Terms
- Balance Transfer APR: *See Terms
- Balance Transfer Transaction Fee: 3% of the amount of each transfer
- Cash Advance APR: *See Terms
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: As low as $85
- Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You want to build credit while spending on monthly utilities and purchases
- You want quick pre-qualification to know if you can be approved
- You plan to pay your balance in full every month
- You prefer unsecured credit to a security deposit requirement
First Phase Visa®
First Phase Visa®
- 34.99% variable based on the Prime Rate Regular Purchase APR
- 34.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The First Phase Visa® is a credit builder credit card issued by The Bank of Missouri. Packed with the basics, the credit card offers manageable credit limits, dynamic credit card protection tools and, overall, a solid option for people with limited access to credit.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Build credit with a card that reports to all major credit bureaus
- On-call representatives with reliable customer service
- Peace of mind with Visa® Zero Liability Policy
- No cash advance fees in the first year
- Secure a manageable credit limit from $300 to $1,000
- Regular Purchase APR: 34.99% variable based on the Prime Rate
- Cash Advance APR: 34.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: None for the first year (introductory). After that, either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $75 for the first 12 months. After that, $48
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You're looking for a starter credit card to build credit
- You struggle to gain access to credit due to a subprime credit score or no credit score
- You seek a manageable credit limit to support better budgeting habits
- You want to feel secure in all credit card purchases with dynamic security tools in place
- You don’t mind investing in your credit journey
Fortiva® Mastercard® Credit Card with Cashback Rewards
Fortiva® Mastercard® Credit Card with Cashback Rewards
- *See Terms Regular Purchase APR
- *See Terms Balance Transfer APR
- *See Terms Cash Advance APR
At a Glance
Earning up to 3% cash back while building credit is an enticing possibility with The Fortiva® Mastercard® Credit Card with Cashback Rewards. The card, from the Bank of Missouri, earns unlimited 3% cash back on gas, grocery, and utility purchases and 1% back on all other eligible purchases made with the card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡
- Earn a 1% Cash Back Reward on all other eligible purchases‡
- Up to $1,000 credit limit subject to credit approval*
- Pre-qualify without affecting your credit score
- No security deposit
- Good anywhere Mastercard® is accepted
- Free access to your credit score †
- $0 fraud liability**
- *Pre-qualified means that information in your credit report indicated that you met certain pre-established credit criteria. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
- † Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 4.0 credit score - provided by TransUnion® is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
- ‡You will earn a 3% cash back reward on eligible gas, grocery, and utility purchases/payments and you will earn a 1% cash back reward on all other eligible purchases, which are for goods and services minus returns and other credits. Rewards will be earned when the transaction posts to your account and will remain as long as the purchase is not returned. Purchases do not include fees or interest charges, balance transfers, cash advances, or purchases of other cash equivalents. Rewards are not earned for pending transactions
- **Fraud liability subject to Mastercard® rules
- Regular Purchase APR: *See Terms
- Balance Transfer APR: *See Terms
- Balance Transfer Transaction Fee: 3% of the amount of each transfer
- Cash Advance APR: *See Terms
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever isgreater
- Annual Fee: As low as $85
- Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You want to build credit while spending on monthly utilities and purchases
- You plan to pay your balance in full each month
- You want $0 fraud liability protectio
Verve Mastercard®
Verve Mastercard®
- See Terms* Regular Purchase APR
- See Terms* Cash Advance APR
At a Glance
The Verve Mastercard® is a no-frills credit card that offers a lifeline to those with bad credit. From Continental Finance and Bank of Missouri, the card features a modest credit limit, the chance at a credit line increase after six months, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $300.00 to $1,000.00* (subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
- Regular Purchase APR: See Terms*
- Cash Advance APR: See Terms*
- Cash Advance Transaction Fee: See Terms*
- Annual Fee: See Terms*
- Foreign Transaction Fee: See Terms*
- Late Payment Penalty Fee: See Terms*
- Return Payment Penalty Fee: See Terms*
- You have damaged credit
- You want to establish a good credit history with on-time payments
- You do't want a secured credit card
- You have a mail offer to apply to
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Bank of Missouri Credit Cards
The Bank of Missouri isn’t necessarily a name that first comes to mind when thinking about credit cards. After all, the bank is has a relatively small geographic foothold. It wasn’t until 1997 that the bank stepped outside of its home of Perry County, Missouri. Today, however, the bank is a leading credit card issuer for smaller regional banks. The bank also issues a wide variety of credit card products under its banner, such as the Cash Rewards American Express Card – ideal for a range of credit scores and uses.
Milestone Gold Mastercard
Perhaps the most popular credit card issued through the Bank of Missouri is the Milestone Mastercard. The card is an unsecured credit card for those with fair to poor credit scores. The card features all the benefits of your typical MasterCard, but with credit limits designed to help those with bad credit rebuild their credit score – fast.
First Access Solid Black Visa
The First Access Visa® Card from Bank of Missouri is another great option for rebuilding credit with responsible use. The card provides the same fast approval process as the Milestone, with a sleek, black look. Plus, the card comes with the purchasing power of the Visa payment network.
How to Quickly Boost Bad Credit with Bank of Missouri
Bad credit scores are nothing to be ashamed of. Millions of Americans suffer from what’s known as “subprime credit.” Properly using cards like the Milestone, however, has been shown to boost failing credit scores quickly. Proper use includes:
- Paying your balance on-time every month
- Keeping your credit utilization rate below 30%
- Avoiding interest by paying your balance in full
Find Your Best Bank of Missouri Card Today!
Finding the perfect credit card for bad credit is tough. At BestCards.com, we understand how hard it can be to rebuild credit. We have over 800 impartial reviews of credit cards for every credit level – including cards for those with poor credit and no credit history. Let our team guide you and help you get the card that right for you.
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