Bank of Missouri Visa® Low Rate Platinum
Bank of Missouri and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Bank of Missouri. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Bank of Missouri Visa® Low Rate Platinum from Bank of Missouri earns up to 0% effective value on dining in Madeen's catalog snapshot. Its annual fee is $99.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $99
Best for dining-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 0x points.
What does the Bank of Missouri Visa Low Rate Platinum earn in each category?
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Bank of Missouri Visa Low Rate Platinum compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Bank of Missouri Visa Low Rate Platinum compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 0x points | 0% |
| Gas Gas stations and fuel | 0x points | 0% |
| Travel Flights, hotels, transit | 0x points | 0% |
| Other General everyday spend | 0x points | 0% |
Madeen values points at about 0 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Bank of Missouri Visa Low Rate Platinum?
The Bank of Missouri Visa Low Rate Platinum fits spenders who put meaningful volume in dining and can earn 0x points. Best for spenders who put meaningful volume in dining and can earn 0x points.
Bank of Missouri Visa Low Rate Platinum fits spenders who put meaningful volume in dining and can earn 0x points. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 0x points.
Less compelling if the $99 annual fee is hard to offset. Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0% effective (0x points).
- Rewards post as points; compare redemption paths before assuming cash-equivalent value.
Cons
- $99 annual fee requires enough spend in bonus categories to offset.
- Charges $1.50 foreign transaction fees.
- points value depends on how you redeem, not straight cash back.
Does the Bank of Missouri Visa Low Rate Platinum have an annual fee?
The Bank of Missouri Visa Low Rate Platinum has an annual fee of $99 and a foreign transaction fee of $1.50. Confirm current fees on the issuer page before applying.
- Annual fee
- $99
- Foreign transaction fee
- $1.50
Related encyclopedia topics
Common questions about the Bank of Missouri Visa Low Rate Platinum
Does the Bank of Missouri Visa Low Rate Platinum have an annual fee?
The Bank of Missouri Visa Low Rate Platinum carries an annual fee of $99 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Bank of Missouri Visa Low Rate Platinum?
Dining is the strongest Madeen category for the Bank of Missouri Visa Low Rate Platinum at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Bank of Missouri Visa Low Rate Platinum charge foreign transaction fees?
The Bank of Missouri Visa Low Rate Platinum charges a foreign transaction fee of $1.50 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
Is the Bank of Missouri Visa Low Rate Platinum annual fee worth it?
Whether the $99 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Bank of Missouri Visa Low Rate Platinum?
Madeen's catalog lists a typical credit range of Good for the Bank of Missouri Visa Low Rate Platinum. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Bank of Missouri Visa Low Rate Platinum?
Rewards on the Bank of Missouri Visa Low Rate Platinum post as points. Redemption value depends on how you use points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Bank of Missouri Visa Low Rate Platinum compare to similar cards?
Compare the Bank of Missouri Visa Low Rate Platinum against Bank of Missouri Visa Signature (3% on Dining, $95 fee); SoFi Everyday Cash Rewards (3% on Dining, $0 fee); Ollo Optimum (Bank of Missouri) - discontinued (2.5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Bank of Missouri Visa Low Rate Platinum This card | Dining | 0% | $99 |
Bank of Missouri | Dining | 3% | $95 |
Bank of Missouri | Dining | 3% | $0 |
Bank of Missouri | Dining | 2.5% | $0 |
Bank of Missouri | Dining | 2% | $0 |
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Bank of Missouri and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Bank of Missouri. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure