Exceptional service
Whether you know exactly what you need or prefer some help to understand your options, your UMB personal banker will be with you every step of the way.
Transparent agreement
We work to ensure you have the information you need to make informed decisions.
Online access
Quickly and easily manage your UMB credit card with online banking and the UMB Mobile Banking app.
Compare our credit cards
Earn cash back or rewards points—whichever you prefer. Review the features and benefits below to find out which card is right for you.
| Benefits | UMB Simply Rewards | UMB Travel Select | UMB Direct Cash |
|---|---|---|---|
| Reward Type | Points | Points | Cash back |
| Simple Redemption | You control how and when to redeem points. Redeem for account credits, gift cards, merchandise, travel and more. | Use your reward points however you like. Redeem for account credits, gift cards, merchandise, travel and more. | Cash back is automatically redeemed every quarter. No websites, nothing for you to do. The minimum redemption amount is $25. |
| Valuable Earnings | Earn three points per dollar spent at gas stations, grocery stores, discount stores, restaurants and fast food locations. Earn one point per dollar spent on all other purchases.1 | Earn three points per dollar spent on airfare, hotels, resorts, cruise ships, car rentals and tour buses. Earn one point per dollar spent on all other purchases.3 | Earn 1.25% cash back on monthly purchases up to $5,000 and 1.50% cash back on monthly purchases of $5,000 and over.4 |
| Reward Expiration | 5 years | 3 years | Never |
| Introductory Offer | 0% APR for 12 months on all purchases, and 0% APR for 12 months on balance transfers made within the first 60 days of account opening; then a variable APR of 13.49% to 21.49% based on your creditworthiness.5 15,000 bonus points when you make $1,500 in purchases with your card within the first 90 days of account opening.6 |
0% APR for 12 months on all purchases, and 0% APR for 12 months on balance transfers made within the first 60 days of account opening; then a variable APR of 13.49% to 21.49% based on your creditworthiness.5 15,000 bonus points when you make $1,500 in purchases with your card within the first 90 days of account opening.6 |
0% APR for 12 months on balance transfers made within the first 60 days of account opening, then a variable APR of 14.49% to 26.49% based on your creditworthiness.7 |
| Printable Application | UMB Simply Rewards print-friendly application | UMB Travel Select print-friendly application | UMB Direct Cash print-friendly application |
Account features
- $0 liability protection on unauthorized purchases8
- Visa benefits like travel assistance services, auto rental insurance and more9
- Online credit card management
- Secure access to Visa Checkout, Apple Pay, Samsung Pay, Garmin Pay and Fitbit Pay.
- You can now tap to pay for fast, easy and secure checkout.
Lost or stolen card? We’re available 24/7 to help. Call 800.821.5184
Get the most out of credit card reward points
Credit card rewards programs offer all kinds of perks, from flights discounts to cash back and more. These attractive offerings give card users the ability to get something extra, simply for using their credit card.
Why you need an annual financial review
When we ask a client if they’ve performed a financial review recently, we’re often met with a blank stare or an answer along the lines of, “Sure, we review our budget every month.” The truth is a financial review is very different than reviewing your budget monthly.
Are you a UMB Private Banking client?
Our Private Banking clients are eligible to apply for the UMB Visa® Signature Preferred Rewards Credit Card. With premium benefits that emphasize simplicity, security and service, this card allows you to earn up to 2% cash back10 on your net purchases. Cash back is automatically redeemed as an account credit each quarter with a minimum redemption amount of $50.
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- UMB Simply Rewards Visa® Credit Card®. Purchases eligible for 3 points per dollar are processed using the following MCC Codes: 5411 (grocery stores), 5541 and 5542 (gas), 5310 (discount stores), 5812 (restaurants) and 5814 (fast food). Cardholders earn 1 point per dollar on all other net purchases. See the UMB Simply Rewards Program Rules for complete details about this rewards program.
- Cash back rewards are processed as a statement credit
- UMB Travel Select® Visa® purchases eligible for 3 points per dollar are the following MCC codes: 3000-3756 (airlines, hotels and resorts), 3780 (resorts), 4131 (tour buses), 4411 (cruise ships), 4511 (other airlines), 7011 (lodging) and 7512 (car rentals). Cardholders earn 1 point per dollar on all other net purchases. See the UMB Travel Select Program Rules for complete details about this rewards program.
- UMB Direct Cash Visa® Credit Card®. The cash back percentages shown above are for the Visa Signature Card. See the UMB Direct Cash Visa Signature Card Reward Rules for complete details. If you do not qualify for the Direct Cash Visa Signature Card, you will automatically be considered for the Direct Cash Visa Platinum Card, which earns 1% cash back on all net purchases. See the UMB Direct Cash Visa Platinum Program Rules for complete details. For both cards, the following transactions are excluded from "purchases" and do not earn cash back rewards: convenience checks, balance transfers (unless our balance transfer offer specifically says otherwise), cash advances, returns, finance charges and credit card interest or fees.
- APR for purchases: 0.00% introductory APR for 12 months. After that, 13.49% to 21.49% based on your creditworthiness. The APR in effect after your introductory APR expires will vary with the market based on the prime rate. APR for balance transfers: 0.00% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening. After the first 12 billing cycles, and for balance transfers made more than 60 days from account opening, 13.49% to 21.49% (based on your credit worthiness) if your balance transfer is treated as a purchase, or 26.49% if your balance transfer is treated as a cash advance. Those APRs will vary based on the prime rate. APR for cash advances: 26.49%. 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. Balance Transfers: 3% of the amount of the balance transfer, with a $15 minimum and no maximum. Cash Advances: 3% of the amount of the cash advance, with a $15 minimum and a $50 maximum. Foreign Transactions: None.
We retain the right to change the rates and fees that apply to your account as permitted by applicable law. For more information, see our Important Cost Information about our Credit Card disclosure, which is provided with our credit card application.
Information about the costs of credit cards is accurate as of December 1, 2019. This information may have changed after that date. To find out what may have changed, call us at 855.368.0410 or write to us at UMB Bank, n.a., P.O. Box 419734, Kansas City, Missouri 64141-6734. - Use your new Simply Rewards or Travel Select credit card to make $1,500 in net purchases within 90 days of account opening and receive 15,000 bonus points. Balance transfers or cash advances are not eligible as part of the $1,500. Bonus Points will be applied to your account within 45 days of meeting the spend requirement. Cash back is awarded as a statement credit. The following transactions are excluded from "purchases" and do not earn rewards points: convenience checks, balance transfers (unless our balance transfer offer specifically says otherwise), cash advances, returns, finance charges and credit card interest or fees.
- APR for purchases: 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening. After the first 12 billing cycles, and for balance transfers made more than 60 days from account opening, 14.49% to 26.49% (based on your credit worthiness) if your balance transfer is treated as a purchase, or 26.49% if your balance transfer is treated as a cash advance. These APRs will vary with the market based on the prime rate.
- Visa's Zero Liability Protection covers U.S.-issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your Issuer.
- Auto rental insurance provided at no additional cost. Certain exclusions and conditions apply. See the Visa Guide to Benefits for details. We will send you the Guide to Benefits with your card.
- You will earn 1.35% cash back rewards when you spend up to $4,999.99 in net purchases in any statement cycle. But if your monthly net purchases with the card are between $5,000 and $9,999.99, you will earn 1.50% cash back rewards on all net purchases during that monthly cycle. And if your net purchases are $10,000 or more in a statement cycle, you will earn 2.00% cash back rewards for all net purchases with the card that month. Cash back is awarded as a statement credit.
Cards are subject to credit approval. Credit cards are issued by UMB Bank, n.a. under license from Visa USA, Inc. ©2020 UMB Bank and Visa.
Offers subject to change without notice.
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