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UMB Direct Cash™ Visa Signature® Credit Card

The easiest way to get cash back.

While other cards make it difficult to track and redeem your cash back, we made 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

Automatic Redemption

Cash back is automatically redeemed in the form or a statement credit every quarter. Nothing for you to do, no websites, no complex rules.

Simple Earning

Cash back is unlimited and never expires. Minimum redemption is $25

No Categories to Remember and No Promotions to Activate

Just spend with your UMB Direct Cash Signature Visa and earn cash back direct to you

Plus other great benefits:

  • $0 Liability Protection2 on unauthorized purchases
  • Enjoy great Visa benefits like travel assistance services, auto rental insurance, and more
  • Easy online credit card control

    Apply Now   and receive an Introductory 0% APR on balance transfers for 12 months3
 Click Here to view a printable version of the UMB Direct Cash Signature Visa Application.

  • 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 banking center to speak with a personal banking representative.

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 Direct Cash Visa Platinum Program Rules for complete details about the UMB Direct Cash Visa Platinum credit card. Please see the UMB Direct Cash Visa Signature Program Rules for complete details about the UMB Direct Cash Visa Signature credit card.
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 0% 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, 13.
99% to 22.99% (based on your credit worthiness). These APRs will vary with the market based on the Prime Rate.