Subject to credit approval 

1. Earn 2.00% cash back on your monthly net purchases when you spend over $10,000 that month; 1.50% 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. “Net Purchases” refers to the Purchase Advance of goods or services made minus any returns, refunds or Purchases that were unauthorized. Applicants who do not qualify for the UMB Private Bank Visa Signature Preferred® Premier Cash Rewards credit card will be considered for the UMB Private Bank Visa Platinum® Premier Cash Rewards credit card, which earns 1.00% cash back on all net purchases. Visa Signature Preferred credit cards require a $5,000 minimum credit line. 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 (UMB.com/PrivateBankRewardsRules) and Guide to Benefits (UMB.com/PrivateBankCardBenefits) for details.
2. APRs: APR for Purchases: 0.00% Introductory APR for the first 12 months. Then 14.49%. 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 periods for balances transferred within 60 days from account opening. After the first 12 billing periods, and for Balance Transfers made more than 60 days from account opening, 14.49% if your Balance Transfer is treated as a purchase, or 28.49% if your Balance Transfer is treated as a cash advance. Those APRs will vary based on the prime rate. APR for Cash Advances: 28.49%. 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. 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 April 1, 2026 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.
3. Your Primary UMB Private Bank Visa Signature Preferred® Premier Cash Rewards cardholder may register to enjoy access and perks at 1,800 airport lounges and experiences around the globe with a complimentary 12-month Priority Pass Select™ Membership and three (3) free visits. Co-Applicants and Authorized Users are not eligible to receive this benefit. Learn more about the Priority Pass Select airport lounge access benefit by visiting UMB.com/PrivateBankCardBenefits. Your Primary cardholder may enroll for their complimentary 12-month Priority Pass Select™ Membership at my.prioritypass.com/UMBPrivateBank. The number of Priority Pass Select lounges, experiences and complimentary visits is subject to change.
4. One statement credit up to $120 will be applied to your UMB Private Bank Visa Signature Preferred® Premier Cash Rewards Account every four years when you use an associated Card to pay a TSA PreCheck® or Global Entry expedited airport security application fee. The 4-year period is based on the date of the first qualified transaction. Please allow up to eight (8) weeks for an eligible TSA PreCheck or Global Entry reimbursement statement credit to post to your account. Learn more about the TSA PreCheck or Global Entry expedited airport security benefit by visiting UMB.com/PrivateBankCardBenefits.
5. UMB Private Bank Visa Signature Preferred® Premier Cash Rewards 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.
6. Save up to 25% off base rates on qualifying rentals from Avis and Budget and get on the road, enjoying your favorite music with a 10% discount on XM Satellite radio when you book with your UMB Private Bank Visa Signature Preferred® Premier Cash Rewards credit card. Plus, your card can unlock a complimentary rental upgrade (when available) and additional driver at no cost. Terms and Conditions apply. Avis - Discount applies to base rate only at participating locations. Discount varies by rental date, location, length of rental and vehicle type. Taxes, other governmentally authorized or imposed surcharges, license and concession recoupment fees, airport and airport facility fees, fuels, additional driver fee, one-way rental charge and optional products including but not limited to Loss Damage Waiver (LDW) are not included and involve an extra daily charge. Renter must meet standard age, driver and credit requirements. 24-hour advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. See avis.com/en/association/A401100 for full terms and conditions. Budget - Discount applies to base rate only at participating locations. Discount varies by rental date, location, length of rental and vehicle type. Taxes, other governmentally authorized or imposed surcharges, license and concession recoupment fees, airport and airport facility fees, fuels, additional driver fee, one-way rental charge and optional products including but not limited to Loss Damage Waiver (LDW) are not included and involve an extra daily charge. Renter must meet standard age, driver and credit requirements. 24-hour advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. See budget.com/en/association/B196500 for full terms and conditions.
7. Enjoy special offers and elevated status when you sign up for Troon Rewards® with your UMB Private Bank Visa Signature Preferred® Premier Cash Rewards credit card at Troon. Certain restrictions apply. Visit troongolfrewards.com/visasignature to request tee times and for complete Troon Rewards Visa Signature Benefit Terms & Conditions.
8. See your Guide to Benefits located at UMB.com/PrivateBankCardBenefits for details.
9. 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 tUMB Bank, n.a. immediately of any unauthorized use.

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