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.
We work to ensure you have the information you need to make informed decisions.
Quickly and easily manage your UMB credit card with online banking and the UMB Mobile Banking app.
Earn cash back or rewards points—whichever you prefer. Review the features and benefits below to find out which credit 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 11.99% to 19.99% 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 11.99% to 19.99% based on your creditworthiness.5 15,000 bonus points when you make $1,500 in purchases with your Visa credit 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 12.99% to 24.99% based on your creditworthiness.7 |
Application | Apply Now
UMB Simply Rewards print-friendly application |
Apply Now
UMB Travel Select print-friendly application |
    Exciting changes coming soon. |
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 cards. However, getting the most out of rewards credit cards and credit card points requires certain strategies.
Budgeting is easier said than done. Whether you are trying to save money for a big purchase or just get a better grasp of expense management, there are measures you can take to help manage your spending and take control of your finances.
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.
Learn moreCards 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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