Our cash rewards program is hassle-free — no points, no expirations, no spending caps and no limit on how much you can earn. Cash rewards are coupled with exclusive lifestyle, premier travel and enhanced security benefits so that you can live luxuriously.
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Exclusive Lifestyle Benefits1
Fine Wine and Food Offers
Enjoy unique, year-round culinary benefits, including special access and savings at more than 50 Sonoma County wineries.
Troon Rewards® Golf Benefits
Visa Signature Luxury Hotel Collection3
Explore travel packages, savings and upgrades at some of the world’s finest properties when you book through Visa Signature Luxury Hotel Collection. Visit VisaSignatureHotels.com.
Access 900+ of the world’s finest hotels, including The Pennisula Hotels, Park Hyatt and Shangri-La.
Silvercar Audi Rentals
GroundLink® Chauffeured Black Car Service
Personal Identity Theft
Cellular Telephone Protection
Visa’s Zero Liability Policy4
Extended Warranty Protection
Emergency Card Replacement
Emergency Cash Disbursement
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The more you spend... The more you earn
Our cash rewards5 program is hassle-free. There are no points to manage or redeem, no expirations, no spending caps and no limit on how much you can earn. Cash rewards automatically appear as a statement credit each quarter with a $50 minimum redemption.
The offer and event examples in this section are subject to change. For current offers and events, go to visa.com/signature. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases, the hotel may or may not provide a substitute benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Signature Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property. Certain restrictions and limitations apply. Benefits vary at select Sonoma County wineries and are subject to change at any time. Go to Visa.com/Signature for full details.
UMB Private Bank Visa Signature Preferred Cash Back cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at visasignatureconcierge.com.
Certain terms, conditions, and exclusions apply. Please refer to your Guide to Benefits for further details.
Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use.
Earn 2% cash back on your monthly net purchases when you spend at least $10,000 that month; 1.5% on your monthly net purchases when you spend at least $5,000; and 1.35% if your monthly net purchases are less than $5,000 per month. Cash back is automatically redeemed as a statement credit. Applicants who do not qualify for the Private Bank Visa Signature Preferred Cash Back credit card will be considered for the Private Bank Visa Platinum Cash Back credit card, which earns 1.00% cash back on all net purchases. The following transactions are excluded from “Purchases” and do not earn cash back rewards: convenience checks, balance transfers (unless the balance transfer offer specifically says otherwise), cash advances, returns, finance charges and credit card interest or fees. See your Rewards Rules and Guide to Benefits that accompany your card for details.
No Annual Fee. No Foreign Transaction Fee when making a Purchase or Cash Advance outside the U.S. Balance Transfer Fee is 3% of the amount of the Balance Transfer, with a $15 minimum and no maximum. Cash Advance Fee is 3% of the amount of the Cash Advance with a $15 minimum and $50 maximum. Overdraft Protection Fee is 3% of the amount of the Overdraft Notice, with a $10 minimum and a $25 maximum. See the Credit Card Account Opening Disclosures that accompany your card for details.