Card Spotlight: Current Build Visa® Credit Card

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With good credit, you’re likely to qualify for a variety of credit cards with features such as: no or low annual fee, competitive interest rate, and an attractive rewards program. Your strong credit history shows credit card issuers that you know how to manage your money and act responsibly. Below, we outline some of the best credit cards for consumers with good credit.
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Card BrandMasterCard
Credit Recommended Fair
Annual Fee $175 the first year; $49 thereafter
Regular Purchase APR 35.90%
Rewards Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases and 1% Cashback Rewards on all other purchases
Full Details Card Page
Regular APR | 35.90% |
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Annual Fee | $175 the first year; $49 thereafter |
Credit Recommended | Fair |
Intro (Purchases) | n/a |
Intro (Transfers) | n/a |
Cash Advance APR | 35.90% |
Cash Advance Fee | $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 ) |
Cash Grace Period | See Terms |
Late Payment Fee | Up to $41 |
Overlimit Fee | See Terms |
Return Check Fee | See Terms |
Foreign Transaction Fee | 1% of each transaction in U.S. dollars. |
Balance Transfer Fee | See Terms |
Rewards Rate | Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases and 1% Cashback Rewards on all other purchases |
A guaranteed $700 credit limit to help get your financial goals on track, if approved
Card BrandMasterCard
Credit Recommended Fair
Annual Fee $175 the first year; $49 thereafter
Regular Purchase APR 35.90%
Rewards Unlimited 1.5% Cashback Rewards earned on every purchase
Full Details Card Page
Regular APR | 35.90% |
---|---|
Annual Fee | $175 the first year; $49 thereafter |
Credit Recommended | Fair |
Intro (Purchases) | n/a |
Intro (Transfers) | n/a |
Cash Advance APR | See Terms |
Cash Advance Fee | $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 ) |
Cash Grace Period | See Terms |
Late Payment Fee | Up to $40 |
Overlimit Fee | See Terms |
Return Check Fee | See Terms |
Foreign Transaction Fee | 1% of each transaction in U.S. dollars |
Balance Transfer Fee | See Terms |
Rewards Rate | Unlimited 1.5% Cashback Rewards earned on every purchase |
Up to $1,000 credit limit subject to credit approval
Card BrandMasterCard
Credit Recommended Fair
Annual Fee $85-$175 first year, $229 thereafter
Regular Purchase APR 36% Fixed
Rewards Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Full Details Card Page
*See Program Terms for important information about the cash back rewards program.
** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. 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 starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
*See Program Terms for important information about the cash back rewards program.
** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. 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 starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
Regular APR | 36% Fixed |
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Annual Fee | $85-$175 first year, $229 thereafter |
Credit Recommended | Fair |
Intro (Purchases) | n/a |
Intro (Transfers) | n/a |
Cash Advance APR | n/a |
Cash Advance Fee | Either $5 or 5% of the amount of each cash advance, whichever is greater |
Cash Grace Period | n/a |
Late Payment Fee | n/a |
Overlimit Fee | n/a |
Return Check Fee | n/a |
Foreign Transaction Fee | 3% of each transaction amount in U.S. dollars |
Balance Transfer Fee | 3% of the amount of each transfer |
Rewards Rate | Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases. |
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
Card BrandVisa
Credit Recommended Good,Excellent
Annual Fee 0.00
Regular Purchase APR 14.99% - 29.99% APR
Rewards 3% unlimited cash back on Gas, Groceries, Health, Streaming, and Utilities and unlimited 1% cash back on all other purchases
Full Details Card Page
Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.
EarlyPay Disclosure: **By paying off your statement balance in full by the EarlyPay payment date, which is two calendar days after your statement closing date, you will avoid daily interest on any new transactions until the following EarlyPay payment date. Refer to your Personal Credit Line Agreement for EarlyPay terms and information. If the balance is not paid in full by the EarlyPay payment date, daily interest will begin to accrue after the Early Pay payment date for past and new transactions. To maintain good standing on your account, you must make at least the required monthly payment by the monthly payment due date, which is 22 calendar days after the statement closing date. You may pay down your full balance at any time to stop further interest charges.
State Exclusions: DC, GA, IA, MA, WV, WI
Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/10219761084443-Upgrade-Life-Rewards-Card-Details
Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.
EarlyPay Disclosure: **By paying off your statement balance in full by the EarlyPay payment date, which is two calendar days after your statement closing date, you will avoid daily interest on any new transactions until the following EarlyPay payment date. Refer to your Personal Credit Line Agreement for EarlyPay terms and information. If the balance is not paid in full by the EarlyPay payment date, daily interest will begin to accrue after the Early Pay payment date for past and new transactions. To maintain good standing on your account, you must make at least the required monthly payment by the monthly payment due date, which is 22 calendar days after the statement closing date. You may pay down your full balance at any time to stop further interest charges.
State Exclusions: DC, GA, IA, MA, WV, WI
Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/10219761084443-Upgrade-Life-Rewards-Card-Details
Regular APR | 14.99% -29.99% APR |
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Annual Fee | 0.00 |
Credit Recommended | Good,Excellent |
Intro (Purchases) | n/a |
Intro (Transfers) | n/a |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | 0.00 |
Overlimit Fee | n/a |
Return Check Fee | 0.00 |
Foreign Transaction Fee | Up to 3% |
Balance Transfer Fee | Up to 5% |
Rewards Rate | 3% unlimited cash back on Gas, Groceries, Health, Streaming, and Utilities and unlimited 1% cash back on all other purchases |
See if you qualify in minutes without hurting your credit score
Card BrandVisa
Credit Recommended Fair
Annual Fee $39.00
Regular Purchase APR 21.96% -29.99% APR
Rewards Up to 10% cash back from your favorite brands with Upgrade Shopping
Full Details Card Page
Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.
State Exclusions: DC, IA, WV, WI, CT, GA, MA
Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/20415490542747-Upgrade-Select-Card-details
Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.
State Exclusions: DC, IA, WV, WI, CT, GA, MA
Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/20415490542747-Upgrade-Select-Card-details
Regular APR | 14.99% - 29.99% APR |
---|---|
Annual Fee | 0.00 |
Credit Recommended | Fair |
Intro (Purchases) | n/a |
Intro (Transfers) | n/a |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | 0.00 |
Overlimit Fee | n/a |
Return Check Fee | 0.00 |
Foreign Transaction Fee | Up to 3% |
Balance Transfer Fee | Up to 5% |
Rewards Rate | Up to 10% cash back from your favorite brands with Upgrade Shopping |
See if you qualify in minutes without hurting your credit score
Card BrandVisa
Credit Recommended Good/Excellent
Annual Fee $0.00
Regular Purchase APR 14.99% - 29.99% APR
Rewards 3% unlimited cash back on every purchase in Home, Health, and Auto categories
Full Details Card Page
Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.
State Exclusions: DC, GA, IA, MA, WV, WI
Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/1260804318969-Upgrade-Triple-Cash-Back-Rewards-Details
Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.
State Exclusions: DC, GA, IA, MA, WV, WI
Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/1260804318969-Upgrade-Triple-Cash-Back-Rewards-Details
Regular APR | 14.99% - 29.99% APR |
---|---|
Annual Fee | $0.00 |
Credit Recommended | Good/Excellent |
Intro (Purchases) | n/a |
Intro (Transfers) | n/a |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | $0.00 |
Overlimit Fee | n/a |
Return Check Fee | n/a |
Foreign Transaction Fee | Up to 3% |
Balance Transfer Fee | Up to 5% |
Rewards Rate | 3% unlimited cash back on every purchase in Home, Health, and Auto categories |
Earn 1.5% unlimited cash back on card purchases every time you make a payment
Card BrandVisa
Credit Recommended Fair,Good,Excellent
Annual Fee 0.00
Regular Purchase APR 14.99% - 29.99% APR
Rewards 1.5% unlimited cash back on every purchase
Full Details Card Page
Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.
State Exclusions: DC, GA, IA, MA, WV, WI
Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/20952319319067
Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.
State Exclusions: DC, GA, IA, MA, WV, WI
Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/20952319319067
Regular APR | 14.99% - 29.99% APR |
---|---|
Annual Fee | 0.00 |
Credit Recommended | Fair,Good,Excellent |
Intro (Purchases) | n/a |
Intro (Transfers) | n/a |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | 0.00 |
Overlimit Fee | n/a |
Return Check Fee | 0.00 |
Foreign Transaction Fee | Up to 3% |
Balance Transfer Fee | Up to 5% |
Rewards Rate | 1.5% unlimited cash back on every purchase |
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