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After 12 months, any amount remaining unpaid from any Balance Transfers will bear interest at the rate for Purchase Advances then applicable to your Account at that time.
The Purchase Advance APR is a variable rate which, as of September 30, 2015, is between 11.99% and 15.99% based on your credit worthiness. Minimum Finance Charge is $0.50. Balance Transfer Fee is 3% of the amount of the Balance Transfer, with a $15 minimum and no maximum. Foreign Transaction Fee when making purchases outside the US will be 2% of the US dollar amount of each Cash Advance or Purchase. Cash Advance Fee is 3% of the amount of the Cash Advance, with a $15 minimum and a $50 maximum. The balance transferred must be from an existing account with an issuer other than UMB Bank, n.a.
With the UMB Simply RewardsTM Visa® credit card, you'll earn rewards points on every purchase, including double points on the necessities.
*See Rewards Program Rules for complete details of the UMB Visa Simply Rewards Program.
**Zero Liability does not apply to PIN transactions not processed by VISA, or certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use.
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