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Introducing Acima Credit Cards

Issued by The Bank of Missouri

Introducing new credit options!

We’re happy to announce that in addition to our flexible lease-to-own option, credit options are now available!

credit card img

Acima Classic Credit™ Mastercard®

Use wherever Mastercard is accepted in the US

Use for everyday purchases

Easy application with a quick decision

Acima Classic Credit is issued by the Bank of Missouri and serviced by Concora Credit Inc. Applications are subject to issuer review (which may include obtaining your credit report) and approval.

credit card

Acima Private Credit™

Use for planned purchases

Easy application with a quick decision

Find a Store

Acima Private Credit is issued by the Bank of Missouri and serviced by Concora Credit Inc. Applications are subject to issuer review (which may include obtaining your credit report) and approval.

Compare Credit Options

Acima Classic Credit™ Mastercard®

Acima Private Credit™

Where to Shop

Customers looking for a credit card to use for everyday purchases to establish payment history which may help build credit

Customers looking for a credit line to use for larger planned purchases to establish payment history which may help build credit

What to Shop

Shop anywhere in the US where Mastercard is accepted

Apply at over 200 Acima approved retailers and then shop at the location where you applied

Who it’s For

Everyday purchases like Gas, Groceries & Restaurants

Planned purchases such as Furniture, Tires & Appliances*

How to Apply

Apply online now with The Bank of Missouri

Find an eligible nearby store and get quick decision!

Find a Store

All credit options are issued by The Bank of Missouri and serviced by Concora Credit Inc.

See the differences between Acima credit & lease options

Frequently Asked Questions

Acima Classic Credit™ Mastercard® is a physical plastic card and can used anywhere MasterCard is accepted. Acima Private Credit™ is a virtual credit line that can be used at partnering Acima retail locations. Acima Private Credit™ is not a physical card.

The Acima Classic Credit™ Mastercard® and Acima Private Credit™ are issued by The Bank of Missouri, based in Perryville, MO and serviced by Concora Credit, based in Beaverton, OR.

Anyone who is interested in establishing or rebuilding their credit can apply for the Acima Classic Credit™ Mastercard® and/or Acima Private Credit™. To be approved, you must:

  • Be at least 18 years old, have a valid social security number, physical address, and a US IP address.

  • Not have had an Acima Classic Credit™ Mastercard® Account that charged off due to delinquency.

  • Meet additional credit qualification criteria, including a review of your income and your debt, and identity verification requirements.

The Acima Classic Credit™ Mastercard® and Acima Private Credit™ are ideal for less than perfect credit! Apply Now for The Acima Classic Credit™ Mastercard® or find local retailers offering Acima Private Credit™ here.

By using your card or credit line and making regular on-time monthly payments, you can demonstrate the kind of financial responsibility that many lenders look for when evaluating your creditworthiness. Your payment history with the Acima Classic Credit™ Mastercard® and/or Acima Private Credit™ is reported to all three major credit bureaus, and using these tools and making on-time payments can help you build a good payment record.

Tip: Simply having a credit card or credit line is not enough, you need to use it and make regular, on-time payments.

Although the credit criteria are designed to help many people who are credit challenged, there is no guarantee of your approval. Your application is reviewed closely to determine whether you meet the qualifications for the Acima Classic Credit™ Mastercard® and/or Acima Private Credit™.

Upon approval, a physical card will be sent through the mail. In most cases, your new card will arrive within 14 business days of being approved. If you do not receive your card within 21 days after being approved, please contact the Lost/Stolen Department immediately at 1-800-314-6340.

You may open one Acima Classic Credit™ Mastercard® account and one Acima Private Credit™ Account. You may not have more than one of each type of credit account open at any given time.

The Mastercard® Benefits are an additional benefit of the Acima Classic Credit™ Mastercard® included at no additional charge. These benefits include:

  • Mastercard ID Theft Protection™

  • Zero Liability protection - When you use your Mastercard®, have peace of mind knowing that you are not held responsible for unauthorized transactions.

If your card is lost or stolen, please call 1-800-304-3096 right away. If your card is lost or stolen and used without your permission, you may not be responsible for those charges.

You can read more in the Mastercard® Guide to Benefits which details all of the program terms and conditions. This guide will be mailed to you with your Acima Classic Credit™ Mastercard®.

Acima Classic Credit™ Mastercard®: Once you are approved and received your new credit card, you can create a login and password at our secure site, https://acimacard.myfinanceservice.com/ , and securely make payments, setup AutoPay, and more online. Additionally, you can mail your payments to: Concora Credit | PO Box 23039 Columbus, GA | 31902-3039 Acima Private Credit™: Make your payments online at https://concoracredit.myfinanceservice.com/ or mail your payments to: Concora Credit | PO Box 23039 Columbus, GA | 31902-3039 You may also send documents via FAX to: 1-503-268-4711

Acima Classic Credit™ Mastercard® and/or Acima Private Credit™ are serviced by Concora Credit. You can direct correspondence to: Concora Credit | PO Box 4477 Beaverton, OR | 97076-4477. You can also call the toll-free customer service number at 1-800-353-5920.