Credit Cards   Visa Card Options

Visa credit cards tailored to your rewards style.

Credit Cards   Visa Card Options

Visa credit cards tailored to your rewards style.

Credit Card Simply Rewards

UMB Simply Rewards

The card that offers more rewards on your everyday purchases. 1

Apply Now
Credit Card Travel Select®

UMB Travel Select

The travel rewards credit card you want in your wallet.


Apply Now
Credit Card Direct Cash®

UMB Direct Cash

The card that pays cash back on all your purchases.2


Apply now

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.

Benefits UMB Simply Rewards UMB Travel Select UMB Direct Cash
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 1.5 points per dollar spent on all net purchases. Deposit your cash back into a UMB Checking or Savings account and use 10% fewer points when compared to redeeming for a statement credit.2
Easy to Understand No promotions to activate. No cap on the amount of points you can earn.
Introductory Offers 15,000 Bonus Points when you spend $1,500 in the first 90 days of account opening.4
0% Introductory Purchase APR for 12 months, then a variable APR of 17.24% to 25.24% based on your creditworthiness.5
0% Introductory Balance Transfer APR for 12 months for balances transferred within 60 days of account opening, then a variable APR of 17.24% to 25.24% based on your creditworthiness. 5
Rewards Redemption Options Redeem points for statement credits, gift cards, merchandise, event tickets, travel and more. Redeem points for statement credits, gift cards, merchandise, event tickets, travel and more. Redeem points for cash. Have your cash rewards deposited to your UMB account (your best value), applied as a statement credit or direct deposited to another financial institution.
Rewards Expiration 5 years 3 years 3 years
Application Apply Now
 
UMB Simply Rewards print-friendly application
Apply Now
 
UMB Travel Select print-friendly application
Apply Now
 
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 banking credit card management

  • Secure access to Apple Pay,® Samsung Pay, Garmin Pay™ and Fitbit Pay.™10

  • You can now tap to pay for fast, easy and secure checkout.

Exceptional service

Whether you know exactly what you need from a Visa credit card 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.

UMB Simply Rewards

The card that offers more rewards on your everyday purchases.1

Apply now

UMB Travel Select

The travel rewards credit card you want in your wallet.

Apply now

UMB Direct Cash

The card that offers cash back on all your purchases.2

Apply now

Lost or stolen card? General Inquiry? We’re available 24/7 to help. Call 800.821.5184.

UMB Secured Visa Credit Card

UMB’s Secured Visa Credit Card can help UMB Bank customers potentially begin to build or restore their credit scores. Secured by a deposit equal to the amount of your line of credit, you can use this card for everyday items or unexpected expenses. And by making responsible monthly payments, you’ll be on the right track towards establishing or improving your credit history.6 Visit a UMB branch to apply or learn more.

Find a Branch

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 back7 on your net purchases. Cash back is automatically redeemed as an account credit each quarter with a minimum redemption amount of $50.

Learn More

Questions about Credit Cards? UMB Has Answers.

Find the checking account that suits your lifestyle.

Learn More

Get financing savvy with our loan calculators.

Learn More

  1. UMB Simply Rewards® Visa® Credit Card. Merchant Category Codes (MCCs) eligible for 3 points per dollar spent are the following: 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.
  2. UMB Direct Cash® Visa® Credit Card. Cardholders earn 1.5 points per dollar spent on all Net Purchases. See the UMB Direct Cash Program Rules for complete details
  3. UMB Travel Select® Visa® Credit Card. Merchant Category Codes (MCCs) eligible for 3 points per dollar are the following: 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.
  4. Use your new Simply Rewards, Travel Select or Direct Cash 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. 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.
  5. APRs: APR for Purchases: 0.00% introductory APR for 12 months. After the first 12 months, 17.24% to 25.24% based on your creditworthiness. This APR 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, 17.24% to 25.24% (based on your credit worthiness) if your balance transfer is treated as a purchase, or 30.24% if your balance transfer is treated as a cash advance. Those APRs will vary based on the prime rate. APR for Cash Advances: 30.24%. 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: 2% of the U. S. dollar amount of each Cash Advance or Purchase (Foreign Transaction Fees are waived for UMB Travel Select cardholders). Overdraft Protection: 3% of the amount of the Overdraft Advance, with a $10 minimum and a $25 maximum.
    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 September 1, 2023. 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.
  6. See the UMB Individual Secured Visa® Credit Card Application for details.
  7. UMB Private Bank Visa® Signature Preferred Credit Card earns 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.
  8. 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.
  9. 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.
  10. Apple Pay is a registered trademark of Apple Inc.
    ©2023 Samsung Pay is a trademark or registered trademark of Samsung Electronics Co. Ltd. Use only in accordance with law. Samsung Pay is compatible with select cards and Samsung devices.
    Garmin and the Garmin logo are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
    Fitbit, Fitbit Pay, Fitbit Ionic, Fitbit Versa, Fitbit Versa 2 and Fitbit Charge 3 are trademarks or registered trademarks of Fitbit, Inc.


Cards are subject to credit approval. Credit cards are issued by UMB Bank, n.a. under license from Visa USA, Inc. ©2023 UMB Bank and Visa.

UMB Private Bank, a division of UMB Bank, n.a.

Offers subject to change without notice.

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.