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UMB Simply Rewards Visa Credit Card
Zilch %* Intro Rate. Zip. Zero. -
Whatever you call it, it's 0% for 6 months on all purchases*.

*Upon card approval. New UMB credit cards opened between October 15, 2015, through November 30, 2015.
  • 0% introductory APR on all purchases posted to your account through the last day of the 6th billing cycle on or before May 30, 2016. (6 months)
  • 0% introductory APR on balance transfers that post to your account within 60 days of account opening, through the last day of 12 billing cycles (12 months).
  • After 6 months, any amount remaining unpaid from any Purchases will bear interest at the rate for Purchase Advances then applicable to your Account at that time.
  • 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. 

UMB Simply Rewards Visa Credit Card Benefits

It's time to double up.

With the UMB Simply RewardsTM Visa® credit card, you'll earn rewards points on every purchase, including double points on the necessities.

  • Earn 2 points per dollar on gas, groceries, and at discount stores.*
  • Earn 1 point per dollar everywhere else and on balance transfers.*
  • Fraud Protection. You are not responsible for any unauthorized purchases made with your card or account number.**
  • Auto Rental Insurance. Provides 24-hour coverage for damage due to collision or theft.**
  • Travel and Emergency Assistance. Provides emergency assistance including medical referrals, legal referrals and emergency ticket replacement.**
  • Travel Accident Insurance. Receive up to $500,000 travel/accident insurance when you charge airplane, train, ship or bus tickets on a licensed common carrier with your UMB Visa Simply Rewards card.**

    Apply Now   or    Schedule an Appointment to Learn More
      Click Here to view a printable version of the UMB Simply Rewards Visa Application.


  • View your account balance, transaction history and make payments online with Online Banking
  • Redeem your points through the online UMB Rewards Catalog.
  • Customer Service: Call toll-free at 800.821.5184.
  • Lost/Stolen Cards: Call 24 hours a day at 800.821.5184.

For more information, please contact us or stop by any UMB banking center to speak with a personal banking representative.

*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.