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Merit Platinum

We apologize, but the Merit Platinum is not available at this time. Here are some credit cards that you may be interested in.
The First Access Visa® Credit Card
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Directly with The Bank of Missouri

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The First Access Visa® Credit Card

  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card — accepted at millions of merchant and ATM locations nationwide and online
  • You may be eligible for a Credit Line Increase after six months
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won't
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7


Credit Needed:
PoorCreditWeb considers people with a credit score below 600 to have poor credit. 2

Reviews: 1
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
See Terms* N/A N/A See Terms*
Total VISA® Unsecured Credit Card
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Directly with The Bank of Missouri

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Total VISA® Unsecured Credit Card

  • Checking account required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a processing fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!  
  • No-Fee credit line increase opportunities!


Credit Needed:
Fair, PoorCreditWeb considers people with a credit score between 601 and 699 to have fair credit. A credit score below 600 is considered poor credit. 2

Reviews: 2
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
See Terms* N/A N/A See Terms*
Total VISA® Unsecured Credit Card
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Directly with The Bank of Missouri

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Total VISA® Unsecured Credit Card

  • Checking account required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a processing fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!  
  • No-Fee credit line increase opportunities!


Credit Needed:
Fair, PoorCreditWeb considers people with a credit score between 601 and 699 to have fair credit. A credit score below 600 is considered poor credit. 2

Reviews: Be the first to write one
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
See Terms* N/A N/A See Terms*
Credit One Bank® Unsecured Platinum Visa®
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Directly with Credit One Bank

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Credit One Bank® Unsecured Platinum Visa®

  • Find out if you Pre-Qualify without harming your credit score
  • Eligible purchases earn 1% cash back rewards automatically, terms apply
  • Get a credit line between $300 and $3,000 based on your credit history
  • Accounts are automatically reviewed for credit line increase opportunities
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won't be responsible for unauthorized charges
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • View your Experian credit score online for free, terms apply


Credit Needed:
PoorCreditWeb considers people with a credit score below 600 to have poor credit. 2

Reviews: Be the first to write one
Rewards: Cash Back (Special)
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 - $99 N/A N/A 19.74% - 25.74% Variable
Credit One Bank® Visa® Credit Card
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Directly with Credit One Bank

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Credit One Bank® Visa® Credit Card

  • Find the card that's right for you without affecting your credit score.
  • Show off your personality by selecting from a variety of card designs, a fee may apply.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
  • Set up custom email or text alerts so you'll always be aware of your payment due date, when your payment posts, or if your available credit runs low.
  • Don't get stuck with a payment date that doesn't work with your schedule. Credit One Bank allows you to choose your monthly payment due date. Terms apply.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Credit One Bank evaluates every account for credit line increase opportunities. We'll let you know as soon as you're eligible for a higher credit line.
  • Know you're protected from unauthorized charges with Zero Fraud Liability—included with every Credit One Bank account.


Credit Needed:
PoorCreditWeb considers people with a credit score below 600 to have poor credit. 2

Reviews: Be the first to write one
Rewards: Cash Back (Special)
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 - $99 N/A N/A 19.74% - 25.74% Variable
Official NASCAR® Credit Card from Credit One Bank®
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Directly with Credit One Bank

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Official NASCAR® Credit Card from Credit One Bank®

  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Get double cash back rewards at the NASCAR.com Superstore. Terms Apply.
  • Find out if you Pre-Qualify without harming your credit score. It's fast, easy, and secure.
  • Zero Fraud Liability ensures that your account is protected against unauthorized charges.
  • Accounts are automatically reviewed for credit line increase opportunities.
  • Take advantage of free online access to your Experian credit score and credit report summary. Terms apply.
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you're at home or on-the-go.
  • Always know what's happening with your account with custom email and text alerts to remind you about your payment due date, notify you when a payment posts, or warn you if your available credit runs low.


Credit Needed:
PoorCreditWeb considers people with a credit score below 600 to have poor credit. 2

Reviews: Be the first to write one
Rewards: Cash Back
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 - $99 N/A N/A 19.74% - 25.74% Variable
Surge Mastercard®
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Directly with Celtic Bank

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Surge Mastercard®

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (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


Credit Needed:
Poor, LimitedCreditWeb considers people with a credit score below 600 to have poor credit. A credit score between 645 and 689 is considered limited credit. 2

Reviews: 2
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
See Terms* N/A N/A See Terms*
Credit One Bank® Unsecured Visa® with Free Credit Score Tracking
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Directly with Credit One Bank

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Credit One Bank® Unsecured Visa® with Free Credit Score Tracking

  • See if you Pre-Qualify without harming your credit score
  • This unsecured card requires no deposit and can help build your credit
  • Track your progress with free online access to your Experian credit score, terms apply
  • Build your credit history—we report to the credit bureaus monthly
  • Accounts are automatically reviewed for credit line increase opportunities
  • Enjoy the flexibility to choose your payment due date, terms apply
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • No need to fret—you're covered by $0 Fraud Liability


Credit Needed:
PoorCreditWeb considers people with a credit score below 600 to have poor credit. 2

Reviews: 2
Rewards: Cash Back (Special)
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 - $99 N/A N/A 19.74% - 25.74% Variable
Credit One Bank® Unsecured Visa® for Rebuilding Credit
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Directly with Credit One Bank

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Credit One Bank® Unsecured Visa® for Rebuilding Credit

  • See if you Pre-Qualify without harming your credit score. Find the card that's right for you in less than 60 seconds.
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you're at home or on-the-go.
  • Know you're protected from unauthorized charges with Zero Fraud Liability—included with every Credit One Bank account
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Give your credit a boost with credit line increase opportunities, a fee may apply.
  • Eligible purchases such as gas, groceries, mobile phone, internet, cable and satellite TV will automatically earn 1% cash back rewards. Terms apply.
  • Always know what's happening with your account with custom email and text alerts to remind you about your payment due date, notify you when a payment posts, or warn you if your available credit runs low.
  • Customize your card by selecting a unique design from Credit One Bank's card gallery. There are more than 20 options to choose from. A fee may apply.


Credit Needed:
PoorCreditWeb considers people with a credit score below 600 to have poor credit. 2

Reviews: Be the first to write one
Rewards: Cash Back (Special)
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 - $99 N/A N/A 19.74% - 25.74% Variable
Credit One Bank® Unsecured Visa® for Rebuilding Credit
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Directly with Credit One Bank

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Credit One Bank® Unsecured Visa® for Rebuilding Credit

  • See if you Pre-Qualify without harming your credit score. Find the card that's right for you in less than 60 seconds.
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you're at home or on-the-go.
  • Know you're protected from unauthorized charges with Zero Fraud Liability—included with every Credit One Bank account
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Give your credit a boost with credit line increase opportunities, a fee may apply.
  • Eligible purchases such as gas, groceries, mobile phone, internet, cable and satellite TV will automatically earn 1% cash back rewards. Terms apply.
  • Always know what's happening with your account with custom email and text alerts to remind you about your payment due date, notify you when a payment posts, or warn you if your available credit runs low.
  • Customize your card by selecting a unique design from Credit One Bank's card gallery. There are more than 20 options to choose from. A fee may apply.


Credit Needed:
PoorCreditWeb considers people with a credit score below 600 to have poor credit. 2

Reviews: Be the first to write one
Rewards: Cash Back (Special)
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 - $99 N/A N/A 19.74% - 25.74% Variable
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