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Last Updated: 07/28/2025

Ness Credit Card

from The Bank of Missouri

Last Updated: 07/28/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Ness Credit Card logo
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Highlights

Purchase APR (Factor Based)

N/A(Verified 07/19/2023)
Disclaimer popup with additional information

Balance Transfer APR (Factor Based)

N/A(Verified 07/19/2023)
Disclaimer popup with additional information

Credit Score Range

680 - 850

Annual Fee

$349

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Ness Credit Card Review

If you're wondering whether Ness Credit Card is the right card for you, read on.

Key Takeaways

  • Welcome offer. Offers a signup bonus of 20000 points that can be redeemed for travel, gifts, or other perks.
  • Good or excellent credit required. You will have low approval odds if your credit score is below good.

Pros & Cons of ness credit card

ness credit card FAQ

Does ness credit card have a cash back or rewards program?

No, it does not offer a rewards program.

How do people rate the customer service and user experience of ness credit card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Ness Credit Card report your account activity to credit bureaus?

Yes, Ness Credit Card reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does The Bank of Missouri perform a hard credit pull?

Yes, ness credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for ness credit card

  • Visit the website of ness credit card.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

The Bank of Missouri
PO Box 85710
Sioux Falls, SD 57118
(888) 547-6541
Visit Site

Hours of Operation

Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed

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The Bank of Missouri logo

Purchase APR

24.99% - 27.99%
Disclaimer popup with additional information

Balance Transfer APR

24.99% - 27.99%
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Balance Transfer APR

32.99% - 36.00%
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300 - 850

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Annual Fee

Starting at $85

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

0

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Ness Credit Card Community Reviews

Would you recommend Ness Credit Card to your friends?

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