Commercial Credit Card
A commercial card program that offers your business more
More flexibility. More control. More protection.
A powerful suite of card products with tools to manage the day-to-day needs of businesses and public entities of all sizes.
Robust online management system
Available 24/7, utilize a UMB commercial card to support your business online and make more informed business decisions. Account management, reporting and expense management are just a few of the key features of your commercial card program.
In-depth reporting
Your reporting needs are as unique as your company. That’s why our commercial card programs help you focus on reporting, data and account controls to improve efficiency and manage business expenses.
Exceptional service
Whether you know the solution you need or prefer a business consultation, we’re with you every step of the way, with cardholder support, Program Administrator servicing, and a dedicated Account Executive to help drive your program’s success.
Find the commercial credit card that works for your business
UMB Visa Commercial Credit Card
A powerful card solution to manage the needs of businesses with more than $2 million in revenue, with flexible billing, customized reports and effective controls.
UMB Visa Purchasing Credit Card
Take advantage of this Purchasing Card program that can simplify your purchasing, boost productivity and empower your employees focus on more profitable tasks.
UMB Virtual Card Solution
UMB’s Visa Payables Automation (VPA) is an electronic B2B payables service that offers a simple, secure way to pay your suppliers. By employing this additional payment option within your existing accounts payable (AP) process, you can benefit by offering more secure transactions, reducing time and processing costs associated with paper checks, optimizing working capital, and creating a revenue stream (rebate) from the transactions that are processed through VPA virtual cards.
Connect with a commercial banker today
Our team of commercial banking specialists can help you determine which UMB commercial card program is right for your business.
All commercial credit cards include:
Fund float
Keep your cash on hand longer with most programs providing a 30-day billing cycle and a 25-day grace period to pay.
Reporting capabilities
With hundreds of data points at your fingertips, create customizable or standard reports that best meet your business needs. You have the flexibility to schedule reports to run automatically on a daily, weekly or monthly basis.
Efficiency gains
Save on the cost per transaction and improve cash-flow efficiency.
Rebate/Rewards
Gain the potential to earn rebates on existing purchases with your commercial card program.
Fraud reduction
Pay safely and securely with your UMB commercial cards.
Card protection with Visa
Rely on liability protection up to $100,000 per card on unauthorized purchases (VPA not included).
Corporate cards account features
-
Adjusting to expensive money: Strategies for business growth in today’s economic environment
Read NowMoney and access to funds are currently more expensive than they have been during the past 10-15 years—and that is not likely to change anytime soon. While we have been enjoying historically low rates for longer than many can remember...
-
Managing business continuity while preventing fraud
Read NowThe COVID-19 global pandemic altered the way many businesses approached continuity and disaster preparation. Many companies had to shut down or limit access to offices, encourage or mandate work from home, and cancel events and gatherings. Balancing the necessity of...
-
How commercial credit cards can improve cash flow, efficiency and security for your business
Read NowIn the business-to-business (B2B) world, checks have long been the preferred method of payment, but the rise of electronic options is changing the payables landscape. While checks still account for 40% of B2B payments ‡, the Association for Financial Professionals’...
-
How business credit cards work for you: Rewards, expense management, and more
Read NowKey takeaways Business credit cards add value, from more spending power and quick access to funds, to rebates and rewards. The “float” period between credit card purchase and paying the statement balance can provide fund access flexibility. Tap into benefits...
-
Three keys to success for your commercial card program
Read NowThere are more components to commercial card programs now than ever before, and corporate cards need to provide more benefits for their users than simply a payment method. While managing a card program may sound like a daunting task, the...
