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Your Life. Your Choice.


UMB Direct Cash™ Visa® Signature1
The best way to get cash back

UMB Simply Rewards™ Visa®
The best way to earn points

Valuable earning

1.25% cash back on monthly purchases up to $5,000 and 1.5% cash back on monthly purchases in excess of $5,000

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 other purchases.3

Easy to understand

No promotions to activate. No cap on cash back. No categories to remember. Cash back never expires.2

No promotions to activate. No cap on rewards. Just more points earned at more places than ever before. Rewards points expire after 5 years.

Simple redemption

Cash back is automatically redeemed every quarter. No websites, nothing for you to do. Minimum redemption is $25.

Redeem points for merchandise, gift cards, account credits and more.


Learn More

Apply Now


Learn More

Apply Now


1 If you do not qualify for the Direct Cash Visa Signature Card, you will automatically be considered for the Direct Cash Visa Platinum Card that earns 1% 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 our balance transfer offer specifically says otherwise), cash advances, returns, finance charges and credit card interest or fees. See the UMB Visa Direct Cash Rewards Rules that accompany your card for details.
2 Account must remain in good standing. 
3 See the UMB Visa Simply Rewards Rules that accompany your card for details. Auto rental insurance provided at no additional cost. Certain exclusions and conditions apply. MCC Codes eligible for 3 points per dollar are the following: 5411 (Grocery Stores), 5541 and 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food).