The The Bank of Missouri is a personal credit card from The Bank of Missouri. Application typically pulls a hard report from TransUnion. The annual fee is $85 – $175 (Year 1), $49 (Year 2+). The ongoing APR is 36% Fixed. Approval typically requires a credit score of Under 640 or higher. Rewards: 1% cash back rewards on all eligible purchases. Cash back: 1% cash back rewards on all eligible purchases. Typical credit limit: Up to $1,000. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Pre-qualification available (soft pull)