FIRST ACCESS REWARDS
2X Rewards Power - Up To 10% Cash Back when you buy and 1% Cash Back when you pay!^^
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Simply apply for a First Access account today! Once approved, you’ll automatically be enrolled in First Access Rewards. You’ll earn 1% cash back on payments made to your First Access account, plus Up To 10% Cash Back on purchases at select merchants.^^
You can earn rewards by making payments to your First Access Credit Card or by shopping at participating merchants. Rewards are tracked as points:
Payments: Earn 1 point for every $1 paid to your account, equivalent to 1% cash back in First Access Rewards^^
Shop at participating merchants: Earn cash back when you shop at select merchants. Cash back rates will vary by retailer and are subject to change. You can view participating merchants and cash back amounts in your online account at Myccpay.com or the First Access Mobile App.^^
Once you have accrued at least 500 points, you can redeem your rewards for statement credits. Rewards can be redeemed online at Myccpay.com, in the First Access Mobile App or by calling our friendly customer service team. Points can be redeemed in 500-point ($5) increments and will be applied as a statement credit to your account. Rewards redeemed as a statement credit to your First Access account are applied to your outstanding account balance. You must still make regularly scheduled payments.
First Access Rewards do not expire and are good for the life of the account. However, if your account is closed for any reason, you will lose any unredeemed rewards.
No activation is required. Cash back offers are automatically active and ready to use. Simply shop at participating merchants to start earning rewards.^^
Our list of participating merchants is regularly updated with new offers. You can view the most current list anytime in the First Access App or by visiting the Rewards tab at Myccpay.com.
Rewards are posted within 60 days of the qualifying transaction.
• Your account must be current (no past-due payments) and in good standing (not over the credit limit or in default).
• Rewards may appear as pending before they become available for redemption.
Please note: Timing may vary depending on your card’s terms and activity. If your account is not current or in good standing, rewards may be delayed.
^^ The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Access Rewards Program Terms & Conditions for details
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First Access is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc. Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth and other information that will allow us to reasonably identify you. We may also ask to see your driver's license or other identifying documents at any time. *Card use subject to available credit; for security reasons, card may not be used at automated fuel pumps or for gambling transactions.
^^1% cash back is earned on payments to your Credit Card. The 10% cash back rate is available only at a limited number of participating merchants. Participating merchants and specific reward amounts are available in your online account and are subject to change. See First Access Rewards Program Terms & Conditions for details.
1 Account holders who pay their bill on time every month and keep their balance low relative to their credit line, may build or rebuild their credit.