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UMB Simply Rewards™ Visa Credit Card

Earn points. We'll pay you back in rewards.

Use your UMB Simply Rewards Visa® Credit Card for all your everyday qualified purchases and earn points! From groceries to fuel to utility bills, your purchases will really pay off.

Earn Everyday Points1

Earn 3X points per dollar spent at:

  1. Gas Stations
  2. Grocery Stores
  3. Discount Stores
  4. Restaurants and Fast Food

Earn 1 point per dollar spent on all other purchases.

Use your reward points however you like.

UMB Rewards is an easy-to-use rewards program that allows you to earn points for everyday qualified purchases made with your Simply Rewards credit card. You can use those reward points however you like. Redeem your points for things like event tickets, merchandise, travel, gift cards, green products and event account credit cash back in the following categories:

  • Gift Cards
  • Merchandise
  • Cash Back/Account Credit
  • Prepaid Cards
  • Travel
  • Green Products
  • Experiences
  • Live Concerts/Sports
  • Charitable Donations
  • Theme Parks

Learn more about our Simply Rewards™ program today!

Redeem your rewards directly through UMB online banking

Enjoy an extensive rewards catalog with more brands, merchants, event tickets you are looking for!

Plus, enjoy these 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 Simply Rewards Visa Application.

Already an account holder?

  • To redeem your points, view your account balance, transaction history and make payments online simply log in to Online Banking, select the "Activity" text link for your card account and click the "Redeem Rewards" text link under the Rewards section.
  • 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.

1See the UMB Simply Rewards Visa Platinum Program Rules for complete details about the UMB Simply Rewards Visa Platinum credit card. Please see the UMB Simply Rewards Visa Signature Program Rules for complete details about the UMB Simply Rewards Visa Signature credit card. 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). Cardholders earn 1 point per dollar on all other purchases. Credit cards are issued by UMB Bank, n.a. under license from Visa USA, Inc.
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, 12.99% to 18.99% (based on your credit worthiness). These APRs will vary with the market based on the Prime Rate.

Take a sneak peek at our 

rewards program today!

Learn more about Simply Rewards™

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Pay your bills online. It saves you time and money.

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Protect yourself with these safety tips.