Bank of Missouri Credit Cards: Complete Guide (2026)

The Bank of Missouri has been around since 1891, but most people encounter it not through its community banking branches in Missouri — they encounter it through the mail. That pre-screened offer for the Milestone® Mastercard® or the FIT™ Platinum Mastercard® sitting in your mailbox? The Bank of Missouri issued it.

This guide breaks down every active Bank of Missouri credit card, what each one actually costs, who qualifies, and — critically — whether any of them are worth getting.

What Is The Bank of Missouri?

The Bank of Missouri is a legitimate, FDIC-insured community bank headquartered in Perryville, Missouri. Originally founded in 1891 as "Bank of Perryville," it renamed itself in July 1997 and has since grown to operate 29 branches across the state, all under its parent holding company, Reliable Community Bancshares.

It's a real institution — not a front company. The bank has offered deposit accounts, mortgages, car loans, and health savings accounts to Missouri residents for over 130 years. Its FDIC deposit insurance has been in effect since January 1, 1934.

What makes the Bank of Missouri unusual isn't its local banking — it's the national credit card business it operates in the background. The bank issues close to 20 credit card products through partnerships with two third-party servicers: Continental Finance (founded 2005) and Concora Credit (formerly Genesis Financial Solutions). These servicers handle marketing, customer service, and day-to-day account management while the Bank of Missouri remains the official issuer of record.

The result: a community bank in rural Missouri is the legal issuer of some of the most heavily marketed subprime credit cards in the country.

Full Card Lineup Overview

Here's a snapshot of the active Bank of Missouri credit card portfolio as of mid-2026. Some cards (Ollo, Ness) are no longer available to new applicants.

Note: Card availability changes frequently. WalletHub reported in May 2026 that some Bank of Missouri cards are currently unavailable to new applicants. Always verify directly with the issuer before applying.

Card-by-Card Reviews

Aspire® Cash Back Rewards Mastercard

The Aspire® Cash Back Rewards Mastercard stands out as the most feature-rich card in the Bank of Missouri lineup. It's one of the only Bank of Missouri cards that actually offers a meaningful rewards program.

The Rewards:

• 3% cash back on eligible gas, groceries, and utility bill payments
• 1% cash back on all other eligible purchases
• Rewards are issued as an annual statement credit on your account anniversary — they are not redeemable on-demand

Credit Limit: Up to $1,000, based on creditworthiness. Prequalification uses a soft credit pull with no impact to your score.

The Fees — Year 1: The first year annual fee ranges from $85 to $175, depending on your creditworthiness. There is no monthly maintenance fee during the first year.

The Fees — Year 2 and Beyond: This is where things get expensive. The annual fee drops to $49 after year one, but a monthly maintenance fee of $5 to $15 per month ($60–$180 annually) kicks in. That means total annual carrying costs in year two can reach as high as $229 — potentially exceeding your cash back earnings if your spending is modest.

APR: 25.74% to 36% variable, depending on creditworthiness. This is significantly above the national average of around 22–23%.

Additional Fees:

• Foreign transaction fee: up to 3%
• Authorized user card: $19
• Paper statement fee: $2 per statement
• Late payment fee: up to $41
• Balance transfer fee: 3%

Deferred Interest Promotions: The Aspire card occasionally runs deferred interest promotions. If you see one, understand how it works: you must pay the full promotional balance by the deadline, or interest is charged retroactively on the entire original amount from the date of purchase. This is different from a true 0% APR offer and carries significant risk if you cannot pay in full.

Who It's Best For: Someone with poor credit (580+ score) who pays their bill in full every month and spends heavily on gas and groceries. The rewards are real — spending $300/month on groceries and $150/month on gas nets roughly $162/year in cash back. That partially offsets the year-one annual fee. But in year two and beyond, the math gets harder to justify.

Servicer: Atlanticus. Customer service: (888) 547-6541.

FIT™ Platinum Mastercard®

The FIT™ Platinum Mastercard® is issued by the Bank of Missouri and serviced by Continental Finance. It targets people looking to build or rebuild credit from scratch and offers no rewards program whatsoever.

Credit Limit: Starts at $400 upon account opening. Doubles to $800 if you make six consecutive on-time monthly minimum payments. Maximum limit can reach up to $3,000 over time.

The Fees — Year 1:

• One-time processing fee: $89–$95 (charged before you receive the card)
• Annual fee: $99 for the first year
• Monthly maintenance fee: Waived for the first 12 months

That means you owe up to $188 before you make a single purchase.

The Fees — Year 2 and Beyond:

• Annual fee rises to $125
• Monthly maintenance fee of $6.25/month ($75 annually) begins after year one
• Total year 2 carrying cost: up to $200

APR: ~35.90% fixed. This is among the highest rates available on any unsecured credit card.

Additional Fees:

• Foreign transaction fee: 3%
• Authorized user card: $30
• Late payment fee: see terms
• No balance transfer option

Who It's Best For: Honestly, almost no one. The FIT card has no rewards, a brutal fee stack, and a starting credit limit so low that your fees will consume a significant portion of it. The only scenario where it makes sense is if you genuinely cannot qualify for anything else and need to build a credit history — and even then, a secured card with refundable deposit is almost always a better path.

Servicer: Continental Finance. Customer service: (888) 547-6541.

Verve Mastercard®

The Verve Mastercard® is a close sibling to the FIT card — both are issued by the Bank of Missouri and serviced by Continental Finance. The main difference is that Verve doesn't charge a separate one-time processing fee, but it compensates with an equally aggressive annual fee structure tied to your assigned credit limit.

Credit Limit: $300, $500, $750, or $1,000 — your specific limit determines which fee tier you land in.

The Fees — Tiered by Credit Limit:

The worst deal here is the $500 credit limit: you pay $125 annually plus a $12.50 monthly fee after year one. That's potentially $275/year to hold a card with a $500 limit.

APR: 24.90%–35.90% variable. You won't know your rate until you apply.

No Rewards Program. The Verve card offers no cash back, no points, and no rewards of any kind.

Credit Limit Doubling: Like the FIT card, the Verve card will double your initial credit limit after six consecutive on-time minimum payments.

Who It's Best For: This card is hard to recommend to most borrowers. The fee structure is one of the most expensive in the subprime space. NerdWallet noted in early 2025 that the Verve card carries an APR of nearly 36% — well above the national average. If a $300 limit is your only option, a secured card requiring a $200–$300 refundable deposit gives you similar purchasing power at far lower total cost.

Servicer: Continental Finance. Customer service: (888) 547-6541.

Cerulean Mastercard®

The Cerulean Mastercard® is another Continental Finance-serviced card from the Bank of Missouri. It shares the same basic DNA as the FIT and Verve cards but comes with a simpler (if still expensive) fee structure.

Credit Limit: $300 to $1,000 at account opening. Eligible for a credit limit increase after six months of on-time payments.

Annual Fee: $125 flat — higher than most comparable subprime cards.

Monthly Maintenance Fee: Applies after year one. Exact amount based on creditworthiness.

APR: ~35.90% variable.

No Rewards. No cash back, no points.

Who It's Best For: Similar to the FIT and Verve cards — difficult to recommend over a secured card. The Cerulean's only real advantage over competitors in the Continental Finance family is the absence of a separate one-time processing fee.

Servicer: Continental Finance. Customer service: (888) 547-6541.

Milestone® Mastercard®

The Milestone® Mastercard® is one of the Bank of Missouri's most widely recognized cards. It's issued by the bank and serviced by Concora Credit (the company formerly known as Genesis Financial Solutions).

Credit Limit: The minimum credit limit is $300, with some applicants receiving up to $700 or $1,000 depending on creditworthiness and which version of the card offer they receive. Bankrate noted that one Milestone card version available through their site starts at $1,000 — but terms vary by channel.

The Fees:

• Year 1 annual fee: $175
• Year 2+ annual fee: $49
• Monthly maintenance fee after year 1: $12.50/month ($150 annually)
• Total year 2 carrying cost: up to $199

Overlimit Fee: Up to $41 — notable because most card issuers eliminated overlimit fees years ago.

APR: ~35.90% variable.

No Rewards. The Milestone card does not offer cash back or any rewards program.

Credit Bureau Reporting: The Bank of Missouri reports your account activity to all three major credit bureaus — TransUnion, Experian, and Equifax.

Eligibility Requirements (per Milestone's FAQ):

• Must be at least 18 years old
• Must have a valid Social Security number
• Must have a physical US address and a US IP address
• Cannot have had a previous Milestone account that charged off due to delinquency
• Must meet income and debt qualification criteria

Account Management: Available through the Milestone cardholder portal at MyMilestoneCard.com. No dedicated mobile app is available.

BBB Rating Note: Bankrate flagged that the Better Business Bureau gave the Bank of Missouri an F-grade rating and revoked its accreditation in December 2022 for failing to meet accreditation standards. This applies to the issuer, not necessarily to the card servicer Concora.

Who It's Best For: Borrowers who truly cannot qualify for a secured card and need an entry-level unsecured card to get started. If you can scrape together $200 for a refundable deposit, the Capital One Platinum Secured is almost always a better option.

Servicer: Concora Credit. Customer service: (800) 305-0330.

First Access Visa® Card

The First Access Visa® is one of two nearly identical cards in the Bank of Missouri/Concora Credit family (the other being the Total Visa®). It targets borrowers with poor or limited credit.

Credit Limit: $300 initial limit, with no security deposit required. A credit limit increase may be considered after one year — but may come with a fee equal to a percentage of the increase.

The Fees:

• Program fee: $95 (one-time, due within the first 60 days of account opening)
• Year 1 annual fee: $75
• Year 2+ annual fee: $48
• Monthly maintenance fee after year 1: $8.25/month ($99 annually)
• Total year 2 carrying cost: approximately $147 + whatever program fee remains

APR: ~35.99% variable.

Rewards: 1% cash back on purchases — but you cannot redeem for the first six months after account opening.

Who It's Best For: This card is difficult to recommend. NerdWallet called the $95 program fee "outlandish" — it immediately reduces your $300 available credit before you make a single purchase. By the time you've paid the program fee and annual fee, you may have less than $130 in usable credit. The 1% cash back barely makes a dent.

Servicer: Concora Credit. Customer service: (800) 224-4960.

Total Visa® Card

The Total Visa® Card is functionally identical to the First Access Visa®. Same fees, same APR, same issuer (Bank of Missouri), same servicer (Concora Credit). The main differentiating feature is that the Total Visa lets you choose your own card design from a selection of options.

The Fees: Identical to First Access Visa® — $95 program fee, $75 annual fee year 1, $48 thereafter, $8.25/month maintenance fee after year 1.

APR: ~35.99% variable.

Rewards: 1% cash back on purchases, redeemable after six months.

Who It's Best For: Same narrow use case as First Access — only if you truly have no other options and need to establish or rehabilitate a credit file quickly.

Servicer: Concora Credit. Customer service: (800) 224-4960.

Fortiva® Mastercard®

The Fortiva® Mastercard® is issued by the Bank of Missouri and serviced by Atlanticus (the same servicer that handles the Aspire card). It's positioned for fair to poor credit borrowers and is often offered to people who don't qualify for the Aspire card.

Credit Limit: Up to $1,000, based on creditworthiness.

APR: Variable, up to 36%.

Fees: Vary by creditworthiness. Expect an annual fee and potentially a monthly maintenance fee, similar in structure to the Aspire card.

Who It's Best For: If you prequalify for either the Fortiva or the Aspire, the Aspire Cash Back Rewards version is generally the better pick because it offers actual cash back rewards. The Fortiva card is more of a fallback for those who don't qualify for Aspire's rewards tier.

Who Services These Cards?

This is a question many cardholders don't think to ask before applying — and it matters.

The Bank of Missouri is the legal issuer on the back of every card, but day-to-day account management is handled by two specialized third-party servicers:

Continental Finance (founded 2005) services the FIT, Verve, and Cerulean cards. As of 2024, Continental Finance also manages approximately $100 million in credit card portfolios acquired from Oportun. Continental Finance is headquartered in Delaware and serves over 2.6 million cardholders.

Concora Credit (formerly Genesis Financial Solutions) services the Milestone, First Access, and Total Visa cards. Concora is headquartered in Beaverton, Oregon.

Atlanticus services the Aspire and Fortiva cards.

In practice, when you call customer service on your Bank of Missouri credit card, you're calling Continental Finance, Concora Credit, or Atlanticus — not the Bank of Missouri itself. This is a standard arrangement in the subprime card industry, but it's worth knowing so you understand who to contact if you have an account issue.

Fees Decoded: What You'll Really Pay

One of the most common complaints about Bank of Missouri credit cards is the fee complexity. Here's a clear breakdown of what to watch for:

One-Time Fees (charged at account opening or early in the life of your account):

• Program fee / processing fee: $89–$95 on cards like FIT and First Access
• This fee reduces your available credit before you use the card for purchases

Annual Fees:

• Range from $49 to $175 in year one, depending on the card and your creditworthiness
• Most cards drop to $49–$125 after the first year

Monthly Maintenance Fees (typically kick in after year one):

• Range from $5 to $15 per month ($60–$180 annually)
• These are in addition to the annual fee — not instead of it

Other Fees:

• Authorized user / additional card: $19–$30
• Paper statement fee: $2 (on some cards)
• Late payment fee: up to $41
• Overlimit fee: up to $41 (notably, most major issuers have eliminated this)
• Foreign transaction fee: up to 3%
• Cash advance fee: $10 or 5%, whichever is greater

The Real Cost Calculation:

On the FIT Platinum Mastercard in year two, for example: $125 annual fee + $75 monthly maintenance fee = $200 in fees alone, to hold a card with a $400–$800 credit limit and no rewards. That's a meaningful drag on any credit-building strategy.

Eligibility Requirements

Bank of Missouri credit cards are specifically designed for consumers with poor, fair, or limited credit. Here's what to expect:

Credit Score: Most cards target borrowers with scores below 640 (poor credit range). Some, like the Aspire card, may accept scores as low as 580. The Verve card accepts applicants with no credit history through fair credit (0–669 score range).

Income: There is no publicly stated minimum income threshold for most cards. However, the bank will evaluate your income relative to your existing debt obligations. Higher income generally means a higher approved credit limit.

Identity Verification: You'll need a valid Social Security number, a physical US address, and to be at least 18 years of age.

No Prior Chargeoffs on the Same Card: If you previously had a Milestone Mastercard that charged off, you are ineligible to apply for a new one.

Prequalification Options: The Aspire and Fortiva cards offer soft-pull prequalification tools that let you check whether you're likely to be approved without affecting your credit score. The FIT, Verve, and Cerulean cards through Continental Finance also allow you to check your approval odds before submitting a full application.

Geographic Restrictions: Some specific card offers are unavailable in certain states. The Verve Mastercard, for instance, is not available in Colorado, Minnesota, Washington, or West Virginia for some offer versions. Always check the terms for your state before applying.

Hard Pull at Application: All Bank of Missouri credit cards perform a hard credit inquiry when you formally apply, which will temporarily lower your credit score by a few points.

Are Bank of Missouri Cards Worth It?

Here's the honest answer: for most borrowers, no — but with one important exception.

The case against most Bank of Missouri cards:

The fee structures on the FIT, Verve, Cerulean, Milestone, First Access, and Total Visa cards are among the most expensive in the consumer credit space. You're paying $100–$275 per year in annual and maintenance fees to hold cards with low credit limits, no rewards, and APRs near the legal maximum. That's a significant cost for a card whose only real purpose is to add a positive tradeline to your credit report.

The same credit-building outcome — on-time payments reported to all three bureaus — is available from secured credit cards at far lower cost. Cards like the Discover it® Secured Credit Card charge no annual fee, offer 2% cash back at gas stations and restaurants and 1% elsewhere, and return your deposit when you graduate to an unsecured card. The Capital One Platinum Secured requires as little as a $49 deposit for a $200 credit line.

The limited case for the Aspire Cash Back Rewards Mastercard:

The Aspire card is the only Bank of Missouri card where the math can occasionally work in a cardholder's favor — but only under a specific set of conditions: you have poor credit and can't qualify for a better card, you pay your balance in full every month without exception, and you spend meaningfully on gas, groceries, or utilities.

If you spend $300/month on groceries and $150/month on gas, the 3% cash back yields about $162/year. That partially offsets the year-one annual fee. But in year two, once the monthly maintenance fee kicks in, you're looking at up to $229 in annual fees — which means you'd need to charge roughly $7,600/year in gas and grocery purchases just to break even on fees. That's a high bar.

The bottom line:

If you have $200–$300 available for a refundable security deposit, a secured card from Discover, Capital One, or Chime is almost certainly a better path. The fees are lower or nonexistent, the rewards are better, and you get your deposit back once you've built your credit.

If you genuinely cannot qualify for a secured card and have no other credit-building options, the Aspire card is the least-bad Bank of Missouri choice. Avoid the FIT, Verve, Cerulean, First Access, and Total Visa unless they're truly your only option.

Better Alternatives to Consider

Frequently Asked Questions (FAQs)

The information in this article was last updated in June 2026. Credit card terms, fees, and availability change frequently. Always review the current terms directly on the issuer or servicer website before applying.

This article is for informational purposes only and does not constitute financial advice. Azahar Ahmed is a personal finance writer at InvestoBuzz.