The Bank of Missouri

The Bank of Missouri is a community bank headquartered in Perryville, Missouri, that provides both traditional community banking services and serves as the issuing bank for a range of credit card programs marketed by third-party companies. Many consumers encounter The Bank of Missouri not through its own brand but through credit cards marketed under program names such as Milestone, Indigo, Destiny, Verve, and others.

These credit card programs are typically targeted at consumers with poor or damaged credit who are looking to build or rebuild their credit profile. The Bank of Missouri issues the cards and holds the regulatory responsibility as the licensed bank, while the program managers handle marketing, customer service, and day-to-day account servicing.

Because these programs serve higher-risk borrowers, the cards carry higher costs than cards available to consumers with good credit. Annual fees, program fees, and elevated annual percentage rates are common across this segment. Consumers should read the full cardholder agreement for any card issued by The Bank of Missouri through a program partner before applying. Pay close attention to the annual percentage rate, any fees charged at account opening, annual fees, and monthly maintenance fees, as these can significantly reduce the effective credit limit available to you.

The Bank of Missouri reports account activity to the major credit bureaus on behalf of these programs, so responsible use can contribute to improving your credit profile over time.

Compare these card options against secured credit cards from credit unions and other issuers, which may provide a lower-cost credit-building path. The Bank of Missouri is FDIC-insured as a state-chartered member bank.