1. 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.
2. 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.
3. Certain terms, conditions, and exclusions apply. Please refer to your Guide to Benefits for further details.
4. 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.
5. 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.
6. APRs: APR for Purchases: 15.24%. 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, 15.24% if your Balance Transfer is treated as a purchase, or 29.24% if your Balance Transfer is treated as a cash advance. Those APRs will vary based on the prime rate. APR for Cash Advances: 29.24%. 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: 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 February 1, 2025 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.

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