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 16.99% to 24.99% 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 16.99% to 24.99% 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|
UMB Simply Rewards print-friendly application
UMB Travel Select print-friendly application
UMB Direct Cash print-friendly application
$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.
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.
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
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
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.