Business and Commercial Credit Card

A commercial credit card that does more for your business

More options. More flexibility. More control. More protection.


Exceptional business credit card service

Whether you know exactly what you need or prefer a business consultation, UMB will be with you every step of the way.


Transparent agreements

Your commercial credit card account rate and experience are unique to you, and we work to ensure you have the information you need to make informed decisions.


In-depth reporting

Your reporting needs are as unique as your business, which is why our credit card solutions help you focus on reporting, data, and account controls that improve efficiency and manage expenses.


Find the commercial credit card that works for your business

UMB Visa Business Rewards Credit Card

For mid-sized businesses looking for travel benefits and flexible rewards

A business credit card designed for mid-sized organizations, with flexible rewards, employee management and in-depth reporting.

UMB Visa Commercial Credit Card

For businesses with more than $2 million in revenue

A powerful credit card with solutions 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

For businesses looking to simplify their purchasing programs

Take advantage of this business credit card purchasing program that can boost productivity and let your employees focus on more profitable tasks.

Fund float

Delay transferring funds until 25 days after the bill due.

Reporting capabilities

Purchases can be reconciled by the purchaser with spending analysis reports.

Efficiency gains

Save on the cost per transaction and improve cash flow efficiency


Cash return on existing purchases which are shifted to paying by card

Fraud reduction

Business credit cards are one of the safest ways to pay.

Card protection with Visa

Liability protection on unauthorized purchases

Account features

Streamline your payables
Online account management
Real-time transaction reporting
Emergency cash and card replacement
Travel assistance services, auto rental insurance and more
Access to Visa Checkout and Apple Pay

Cobranded credit cards

We will work with you to create a credit card program that helps attract new fans, members or customers to your brand and enhances your current customer loyalty—while seamlessly integrating into your day-to-day operations.

Start your brand card experience
UMB commercial card

Three keys to success for your commercial card program

There 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 right blend of technology and platform support can help alleviate unwanted administrative headaches and set your company up for better future financial success.


Five tips that can improve business cash flow

Running a business is hard work – juggling priorities while simultaneously reacting to shifting market conditions and demand. It’s likely your first priority is to make the business successful, which includes optimizing the company’s income/expense ratio. To help adjust to the business’ liquidity needs, take a look at the following tips for improving cash flow.

Speak with a UMB business credit card specialist to find the card program that’s right for your business.