Small Business Credit Card
A small business credit card that’s big on benefits
Exceptional service
Whether you know the solution need or prefer a business consultation, we’re with you every step of the way.
Client-focused rewards structure
Earn 2X points for every dollar you spend in your top two merchant categories and earn 1X points everywhere else Visa is accepted. Plus, we make it faster and easier for you to redeem your hard-earned rewards points for cash back, gift cards, merchandise, travel and more.
Online card account management
Your online management needs are as unique as your business. That’s why the small business credit card from UMB helps you focus on reporting, data and account visibility to improve efficiency and manage expenses.
UMB Visa Signature Business Rewards Credit Card
We designed this Small Business credit card with small- to mid-sized organizations in mind, offering you flexible rewards, online visibility and in-depth reporting.
Connect with a Small Business Specialist
We're here to answer any of your questions. Let’s connect about our full suite of small business banking services, and we’ll help you find the right solution.
All business credit card accounts include:
Rewards¹
Gain the potential to earn 2x points in your top two merchant categories each month and earn 1x points everywhere else Visa is accepted! Also, spend $2,000 in the first 90 days from account opening to earn 20,000 Bonus Rewards Points equal to $200 in account credit.
Rewards redemption
Redeem your rewards points for cash back, gift cards, merchandise, travel, event tickets and more!
Introductory Purchase APR²
Leverage an Introductory Purchase APR of 0% for the first 9 months from account opening.
Fund float
Optimize the availability of funds with your due date 24 – 30 days after the close of each billing cycle.
Billing Options
Choose between options for consolidated or individual billing.
Fraud reduction
Pay safely and securely with business credit cards.
Card protection with Visa
Rely on liability protection on unauthorized purchases.
Account features
Apply now. Connect today with a Small Business Specialist.
We're here to answer any of your questions. Let’s connect about our full suite of small business banking services, and we’ll help you find the right solution.
Cobranded credit cards
Enhance your current customer loyalty, while seamlessly integrating branding into your day-to-day operations with our custom card designs. We’ll work with you to create a small business card program that helps attract new fans, members or customers to your brand.
Other Products and Services
1Subject to credit approval. Rates and fees subject to change. Eligible for new UMB Visa Signature Business Rewards Credit Card customers only. 20,000 Bonus Points equal to $200 in account credit. Within 90 days of opening your new UMB Visa Signature Business Credit Card account, approved applicants must use their card(s) to make $2,000 in Net Purchases to receive the 20,000 bonus points. Bonus points will be applied to your account within 45 days of meeting the spend requirement. The Program Member’s Control Account or the Cardholders account (if cards are billed to an individual Cardholder) earn two (2) Points for each dollar on Net Purchases that fall within the top two (2) merchant category codes (MCCs) for that month, based on the total dollar volume of Net Purchases in each category. UMB Bank n.a. will use the MCCs assigned by the Card Network to identify your Net Purchases that qualify for accelerated Points earning. See the Visa Signature Business Card Rewards Program Rules for complete details about the rewards program.
2APRs: Introductory APR for Purchases: 0.00%. This APR is an introductory APR for the first 9 months. After that, your APR will be 16.49% (quote based on the Prime Rate currently in effect). This APR will vary with the market based on the Prime Rate. APR for Cash Advances: 25.49%. This APR will vary with the market based on the Prime Rate. Fees: Minimum Interest Charge: If you are charged interest, the charge will be no less than $0.50. Annual Fee: None. Cash Advances: 3% of the amount of the cash advance, with a $15 minimum. Foreign Transactions: 2% of the U.S. dollar amount of each Cash Advance or Purchase. Late Payment Fee: $15 if New Balance is less than $100; $29 if New Balance is between $100 and $999.99; $39 if New Balance is $1,000 or more. Issuer retains the right to change the rates and fees that apply to your account as permitted by applicable law. See the Interest Rate and Charges section of the Application for more information.