Compare Our Credit Cards
Earn rewards points on all your purchases. The below table offers a side-by-side comparison to help you decide which of our credit cards is right for you.
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Questions about Credit Cards? UMB has answers.
An APR on a credit card stands for “annual percentage rate.” In simplest terms, an APR is used to calculate the interest you’re charged when you carry a balance on a credit card.
If you pay less than the total monthly balance, a credit card company will charge you interest on your revolving balance and on future advances until the balance is paid in full. If you always pay your total monthly balance, you’re not charged interest.
Credit cards come with varying APRs. Your credit history and perceived credit risk can affect the APR on your credit card. Typically, the higher (or better) your credit score, the lower your APR.
For an in-depth look at credit cards and more, check out UMB’s free online personal finance courses.
It's important to check your credit history and credit score on a regular basis. Lenders use this score to evaluate your creditworthiness. Each of the nationwide credit bureaus offer free access to your credit report at annualcreditreport.com.
Credit card companies offer a credit limit and annual percentage rate (APR) based on your previous credit usage and their assessment of your ability to repay the debt you might incur on that credit limit.
To get an idea of what limit and rates to expect before you apply for a credit card, know your credit score.
Do you want to build or repair your credit? Earn cash back or points for redemption options? Knowing how you want to use your credit card will help make finding the right one easier.
Usually, credit cards that offer the highest perks also charge an annual fee. If you think the fee is worth it because the card matches your financial goals, then it might be a good idea. There are also many credit cards with little or no annual fees. UMB offers a few different Visa credit cards to fit your lifestyle.
Browse your UMB rewards, check your point balance and more with the reward center. Log in to online banking (first-time users will need to create a user ID and password). Once you log in to your UMB online banking dashboard, you can access your credit card rewards with the below steps:
- Click your credit card account tile
- Near the top of the credit card account page, you’ll see two tabs. Select the Details tab.
- Scroll down to find your rewards point total. Scroll further to find a link to access/redeem your credit card rewards
- Click the link under the Access/Redeem Rewards header