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Introducing Acima Credit Options†
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!
Acima Classic Credit™ Mastercard®
Use wherever Mastercard is accepted in the US
Use for everyday purchases
Easy application with a quick decision
Apply with Confidence! There is no impact to your credit score if you’re not approved**
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.
Acima Private Credit
Available at select local retail partners
Use for planned purchases
Easy application with a quick decision
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™
Who it’s For
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
Where 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
What to Shop
Everyday purchases like Gas, Groceries & Restaurants
Planned purchases such as Furniture, Tires & Appliances*
How to Apply
All credit options are issued by The Bank of Missouri and serviced by Concora Credit Inc.
See the differences between Acima credit & lease optionsFrequently Asked Questions
The Acima Classic Mastercard is a credit card that may be used anywhere Mastercard is accepted in the United States. Acima Classic Mastercard is issued by The Bank of Missouri pursuant to a license from Mastercard and serviced by Concora Credit Inc.
Acima Private Credit is a private label credit card account that may be used at any participating retailer that accepts the account. Acima Private Credit is issued by The Bank of Missouri and serviced by Concora Credit Inc.
Acima Classic Mastercard is issued by The Bank of Missouri pursuant to a license from Mastercard and serviced by Concora Credit Inc.
Acima Private Credit is issued by The Bank of Missouri and serviced by Concora Credit Inc.
Anyone can apply. To be approved, you must:
Be at least 18 years old, have a valid social security number, physical address, and a US IP address.
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 designed for people with less-than-perfect-credit.
By making regular on-time monthly payments for at least the minimum required, 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 Account is reported to all three major credit bureaus.
Tip: Simply having a credit card is not enough, you need to use it responsibly and make regular, on-time payments.
There is no guarantee of approval. Applications are reviewed by the issuer to determine whether you meet the qualifications for the Acima Classic Credit Mastercard and/or Acima Private Credit Account.
If approved, a credit card will be mailed to you. You should receive it within 14 business days of approval.
The following benefits are included at no additional charge:
Mastercard ID Theft Protection™
Mastercard Zero Liability protection - When you use your Mastercard®, have peace of mind knowing that you are not held responsible for unauthorized transactions.
If approved, you'll be provided a Guide to Benefits with your credit card that details the protection terms, conditions and limitations.
If your card is lost or stolen, please call 1-800-304-3096 right away.
You can register your Acima Classic Credit Mastercard or Acima Private Credit account and access it 24/7 at AcimaCard.com to view your account, see your transactions, securely make payments, setup AutoPay, and more online.
Additionally, you can mail your payments for either account to:
Concora Credit | PO Box 96541 Charlotte, NC | 28296-0541
Acima Classic Credit™ Mastercard® and the Acima Private Credit™ Account are serviced by Concora Credit Inc. You can direct correspondence to: Concora Credit | PO Box 4477 Beaverton, OR | 97076-4477. You can also call the toll-free customer service numbers:
Acima Classic Credit™ Mastercard® | 1-800-719-5467
Acima Private Credit™ Account | 1-800-719-6216
