The Bank of MissouriAcima Classic Credit™ Mastercard®Registry illustration · issuer artwork unavailable

Acima Classic Credit™ Mastercard®The Bank of Missouri · NM bank, MO · FDIC 1617

CurrentLast observed Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

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Balance transfer

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Cash advance APR

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Annual fee

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Foreign fee

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Grace period

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Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	5% of the amount, minimum $100The Bank of Missouri · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“$5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 )”The Bank of Missouri · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

Acima Classic Credit Mastercard Cardholder Agreement 400page 1 of 13

Acima Classic Credit™ Mastercard® The Bank of Missouri

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 35.9% APR for Cash Advances · 35.9% Paying Interest · Your due date is at least 25 days after the close of each billing cycle. Wewill not charge you any interest on purchases if you pay your entire balance by the due date each month. Wewill begin charging interest on cash advances on the transaction date. Minimum Interest Charge · If you are charged interest, the charge will be no less than $1.00. 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.

Fees Set Up and Maintenance Fees · NOTICE: Some of these set up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you initially have available. Based on your initial credit limit of $700 your initial available credit will be only about $525. You may still reject this plan, provided that you have not yet used the account or paid a fee after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges. • Monthly Fee · $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month) • Annual Fee · $175 the first year; $49 thereafter Transaction Fees • Cash Advance Fee · $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 ) • Foreign Transaction Fee · 1% of each transaction in U.S. dollars Penalty Fees • Late Payment Fee · Up to $41 • Overlimit Fee · Up to $41 • Returned Payment Fee · Up to $41

How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases)'. See the Cardholder Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Cardholder Agreement.

1 2 3 4 5 6 7 8 9 10 11 12 13Pages 1 and 5 are cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

The Bank of Missouri
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“$5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 )”
Read exact source ↗
The Bank of Missouri
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“$5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 )”
Read exact source ↗
The Bank of Missouri
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“$5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 )”
Read exact source ↗
The Bank of Missouri
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
The Bank of Missouri
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 5
“Periodic interest charges on Cash Advances will be imposed at the applicable Monthly Periodic Rate from the date each Cash Advance is made and will continue to accrue on unpaid balances as long as they remain unpaid. There is no grace period on Cash Advances and there is no period within which to pay to avoid interest charges on Cash Advances.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
The Bank of Missouri
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
The Bank of Missouri
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 5
“Periodic interest charges on Cash Advances will be imposed at the applicable Monthly Periodic Rate from the date each Cash Advance is made and will continue to accrue on unpaid balances as long as they remain unpaid. There is no grace period on Cash Advances and there is no period within which to pay to avoid interest charges on Cash Advances.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
The Bank of Missouri
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
The Bank of Missouri
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 5
“Periodic interest charges on Cash Advances will be imposed at the applicable Monthly Periodic Rate from the date each Cash Advance is made and will continue to accrue on unpaid balances as long as they remain unpaid. There is no grace period on Cash Advances and there is no period within which to pay to avoid interest charges on Cash Advances.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
The Bank of Missouri
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle.We will not charge you any interest on purchases if you pay your entire balance by the due date each month.We will begin charging interest on cash advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Cash advance fee

Offered through: The Bank of Missouri
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 1617
Branches: 32 in MO
Sources: Official issuer · 3 documents · 2 pages cited

Documents

Acima Classic Credit Mastercard Cardholder Agreement 400effective date not parsed
Acima Classic Credit Mastercard Cardholder Agreement 401effective date not parsed
Acima Classic Credit Mastercard Cardholder Agreement 402effective date not parsed

Acima Classic Credit™ Mastercard®The Bank of Missouri · NM bank, MO · FDIC 1617

Rates and fees