UMB Direct Cash™ Visa Signature® Credit Card
The easiest way to earn cash back.1
While other cards can be difficult to track and redeem your cash back, we make it simple and automatic with the easiest way to earn cash back.
UMB Direct Cash Signature Visa Credit Card Benefits
Earn 1.25% cash back on monthly purchases up to $5,0001
Earn 1.5% cash back on monthly purchases in excess of $5,0001
Cash back is automatically redeemed in the form of a statement credit each quarter. No website, no complex rules. Minimum redemption of $25.
Easy to understand
No promotions to activate. No cap on cash back. No categories to remember. Cash back never expires.1
Other great benefits:
- $0 Liability Protection on unauthorized purchases2
- Enjoy great Visa benefits like travel assistance services, auto rental insurance, and more3
Easy online credit card control
Apply Now and receive an Introductory 0% APR on balance transfers for 12 months, then a variable APR of 14.99% to 23.99% based on your credit worthiness.4
ALREADY AN ACCOUNTHOLDER?
- View your account balance, transaction history and make payments online with Online Banking.
- Customer Service: Call toll-free at 800.821.5184.
- Lost/Stolen Cards: Call 24 hours a day at 800.821.5184.
For more information, please contact us or stop by any UMB branch to speak with a personal banking representative.
1. UMB Direct Cash Visa® Credit Card. The cash back percentages shown above are for the Visa Signature Card. If you do not qualify for the Direct Cash Visa Signature Card, you will automatically be considered for the Direct Cash Visa Platinum Card, which earns 1% cash back on all Net Purchases. For both cards, 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 Direct Cash Program Rules for complete details about the cash back rewards programs that we offer.
2. Visa's Zero Liability Protection covers U.S.-issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your Issuer.
3. Auto rental insurance provided at no additional cost. Certain exclusions and conditions apply. See the Visa Guide to Benefits for details. We will send you the Guide to Benefits with your card.
4. 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, 14.99% to 23.99% (based on your creditworthiness) if your Balance Transfer is treated as a Purchase, or 26.99% if your Balance Transfer is treated as a Cash Advance. Those APRs will vary based on the Prime Rate. APR for Purchases: 14.99% to 23.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances: 26.99%. 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: Three percent (3%) of the amount of the Balance Transfer, with a $15 minimum and no maximum. Cash Advances: Three percent (3%) of the amount of the Cash Advance, with a $15 minimum and a $50 maximum. Foreign Transactions: Two percent (2%) of the U.S. dollar amount of each Cash Advance or Purchase.
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 September 1, 2018. 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.
Cards are subject to credit approval. Credit cards are issued by UMB Bank, n.a. under license from Visa USA, Inc. ©2018 UMB Bank and Visa.