Legends Bank MasterCard®

At a glance

Legends Bank's MasterCard® credit cards are low rate, no annual fee cards issued and serviced right here in Mid-Missouri. Have a question or problem - call and talk to someone you know, not some automated telephone system on the coast.

To report a LOST or STOLEN CREDIT CARD (after hours)
call 1-866-604-0381 immediately.


  • No annual fee or transaction fee for purchases.
  • Low annual percentage rate of 14.00% Variable Rate*.
  • 25 day grace period for repayment of the balance for purchases.

Legends Bank offers Travel Advantage - a package of free services and benefits provided just for you, our valued cardholder.  These benefits are not included with most other cards, but we provide them to you at no additional charge.  We hope you enjoy the Advantages of our card.

The benefits and services included in Travel Advantage are related to health care, travel, security, and insurance. Please contact Legends Bank for a description of the services to which you are entitled just for being our cardholder.

View your Credit Card Information on the web - for current account information on your Legends Bank Credit Card, see www.ezcardinfo.com. ( Includes account balance, available credit, minimum payment, payment due date, last payment, and transactions posted since last statement.)

Interest Rates

Interest Charges

Annual Percentage Rate (APR) for Purchases and Cash Advances

14.00% Variable Rate

Variable Rate Information

Your rate may vary.  The rate is determined by adding the Prime Rate* and 8.50% for purchases and cash advances.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle.  Grace Period: We will not charge you interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $.50.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.



Transaction Fees

Cash Advance
for each transaction.

Foreign Transaction
of each transaction in U.S. dollars when a currency conversion occurs or .8% of each transaction in U.S. dollars when a currency conversion is not performed.

Penalty Fees

Late Payment
Lesser of 5% of amount due or $25

Returned Payment
Lesser of $15.00 or payment due for that cycle.

* The prime rate used to determine your APR for the billing period is the prime rate published in the Wall Street Journal on the 10th day of the prior month. How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise these rights is provided in your account agreement. Charges incurred by use of the card are due when the periodic statement is received. The information about the costs of the card described in this disclosure is accurate as of January, 2019. This information may have changed after that date. To find out what may have changed, write to us at Legends Bank, P.O. Box 888, Linn, MO 65051.

Download Application

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The application is in pdf format and requires Adobe Acrobat to open. If you do not have the free Adobe Acrobat Reader you can download it.