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UMB Simply Rewards Program Rules

In these Rules, the terms “we,” “our” or “Issuer” refer to UMB Bank, n.a., the issuer of your Visa® credit card (“Card”). “You” or “your” means the person who holds a qualifying Card that we have issued. “Program” means our Simply Rewards Program. The Rewards Program Rules are separate from the terms of your Credit Card Agreement.

  1. You are eligible to participate in the Program if you hold a Card that the Issuer has issued, and your related credit card account is in good standing. Issuer reserves the right to approve, deny, or revoke Rewards Program membership and redemptions for any reason. Cardholder will forfeit all points if account is closed or if account is not in good standing.
  2. Issuer will automatically renew your membership in the Program as long as your account is in good standing and Issuer has not received a notice that you canceled the Card.
  3. UMB Simply Rewards Visa cardholders will earn two (2) points for each dollar spent in the following categories: gas, grocery and discount stores.  For the purpose of this program, eligible purchases will be determined by merchant identified MCC codes.  MCC Codes eligible for 2 points per dollar are the following: 5411 (Grocery Stores), 5541 and 5542 (Gas), and 5310 (Discount Stores).  All other Net Purchases will earn one (1) point per dollar spent. Program members may receive bonus points from time to time. Net Purchases refers to the Purchase Advance of goods, services or balance transfers that are treated as Purchase Advances under the Cardholder Agreement minus any returns or refunds. The following transactions are excluded from "Purchases" and do not earn rewards points (unless determined otherwise): convenience checks, cash advances, balance transfers that are treated as Cash Advances under the Cardholder Agreement, returns, finance charges and credit card fees.
  4. Cardholders are also eligible to receive bonus points for making purchases at participating retailers. A full list of retailers and the number of points available from each retailer is available on the rewards website (www.umbrewards.umb.com). Bonus points from a participating retailer are awarded in addition to any other points awarded for that transaction. For some participating retailers, the only way to earn bonus points is to shop using the link provided on the rewards website. Transactions made without clicking through this link will not be eligible to earn bonus points. Review all offer terms on the rewards website before making a purchase to ensure you meet all eligibility requirements. Bonus points earned on a purchase that is subsequently returned may be deducted from your account. Bonus points may take up to 30 days to post to your account. To see your bonus points history, visit the rewards website (www.umbrewards.umb.com).
  5. The current rewards, the conditions and qualifications to earn those rewards, certain exceptions and exclusions, and certain incidental fees that you may incur if you select certain reward options, are set forth in the Terms and Conditions listed on the rewards website (www.umbrewards.umb.com).
  6. Points will be awarded and can be redeemed only if you keep all of your accounts with Issuer in good standing.
  7. You will begin to accrue points as of your enrollment date in the Program. Points are not retroactive for previous purchases. Your enrollment date is the date that the Issuer has approved a cardholder as a Program participant.
  8. Issuer reserves the right to deny redemption requests on carriers or other suppliers that Issuer or our Program consultant have determined may provide unreliable service or if the particular award you have requested is unavailable. This is covered more fully in the Rewards Terms and Conditions listed on the redemption website.
  9. The number of points you have earned is updated each month as of your statement cut-off date. Points are not available for rewards until posted on your statement. Your credit card statement will show the accumulated points you earned through the statement date. The balance of points earned will equal the dollar amount of billed purchases less refunds, returns or unauthorized purchases less points redeemed.
  10. Points expire on their anniversary date in the fifth full year following the calendar year in which any point was earned. Points redeemed or canceled due to expiration are determined on a first-in, first-out basis. Points and awards, including Account Credit, cannot be used as payment on accounts at UMB Bank, n.a. or any of its affiliates and are not transferable. However, if you notify us that your Card is lost or stolen, we will transfer your Points and your anniversary participation date from your old Card to your new Card.
  11. To redeem your Points, please visit our redemption Web site at www.umbrewards.umb.com. Or you may call the toll free redemption number at 800.821.4115. Do not use the Web site or toll-free numbers above to ask questions you may have about your credit card account.
  12. The Rewards Program is void where prohibited by federal, state, or local law. You are responsible for any personal tax liability relating to your participation in the Program or awards that you redeem.
  13. Issuer reserves the right to deny or cancel your membership in the Rewards Program due to a violation of Program rules, suspected fraud, or abuse of privileges.
  14. The Rewards Program and benefits are offered at the sole discretion of Issuer. Issuer reserves the right to modify or change any Program benefit or feature, prospectively or retroactively; including, without limitation, the annual fee, point accrual, redemption criteria, reward options, and to cancel or suspend the Rewards Program at any time upon notice to participants.
  15. Issuer shall not be liable for any death, bodily harm and/or property damage which may result from your participation in the Program or your redemption of a reward. You are responsible for determining how to use your reward points. Issuer fulfills its responsibility to you under the Program by providing the rewards that you have requested and earned under the Rules then in effect. Issuer is not responsible if an air carrier, car rental company, accommodations supplier, other travel supplier, merchandise or merchandise supplier fails to provide the services or products or is negligent in any aspect of its performance. You may not have chargeback rights under your credit card for any failure of a travel or merchandise supplier to provide its services or products.
  16. Cash redemption requests are handled by Issuer as a credit to your Program card monthly billing statement within 45 days of redemption request. Credit will be issued to your Program card account only and may not be redeemed for cash equivalent, transferred to another card or used as a payment on accounts at UMB Bank, n.a., or any of its affiliates.
  17. You agree that Issuer may provide certain account and transaction information to the vendor to enable them to administer the Program.
  18. Rewards accumulated are not the property of the cardholder and cannot be bought, sold, or transferred (including upon your death or as part of a domestic relations settlement).  Any abuse of the Program terms, or misrepresentation by a cardholder will make the cardholder ineligible to earn further rewards under the Rewards Program.