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.
Learn more by clicking on each blue bar below.
Earn 3 points1 on purchases at:
- Gas stations
- Grocery stores
- Discount stores
- Fast food locations
Earn 1 point on all purchases everywhere else.
UMB Simply Rewards is an easy-to-use rewards program that allows you to earn points for everyday purchases made with your UMB Simply Rewards credit card. You can use your reward points however you like. Redeem your points for things like:
- Cash back/Account credit
- Gift cards
- Prepaid cards
- Live concerts/Sports
- Theme parks
- Charitable donations
- Green products
- Log in to UMB Online Banking at UMB.com (First-time users will need to create a user ID and password to access UMB Online Banking)
- Select the "Activity" link for your credit card account
- Select the "Access Your Current Rewards" link under the Rewards section
- $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:
- 15,000 bonus points when you make $1,500 in purchases with your card within the first 90 days of account opening.1
- 0% Introductory APR on all purchases for 12 months, then a variable APR of 13.74% to 19.74% based on your credit worthiness.4
- 0% Introductory APR on balance transfers for 12 months, then a variable APR of 13.74% to 19.74% based on your credit worthiness.4
Click Here to view a printable version of the UMB Simply Rewards Visa Application.
Contact Us Information:
- Customer Service: Call toll-free at 800.821.5184.
- Lost/Stolen Cards: Call 24 hours a day at 800.821.5184.
1MCC 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 Net Purchases. See the UMB Simply Rewards Visa Platinum Program Rules for complete details about the rewards programs that we offer.
Use your new UMB Simply Rewards credit card to make $1,500 in Net Purchases within 90 days of account opening and receive 15,000 bonus points. Balance transfers or cash advances are not eligible as part of the $1,500. Bonus Points will be applied to your account within 45 days of meeting the spend requirement. Cash back is awarded as a statement credit. The following transactions are excluded from "Purchases" and do not earn rewards points: convenience checks, balance transfers (unless our balance transfer offer specifically says otherwise), cash advances, returns, finance charges and credit card interest or fees.
2Visa'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.
3Auto 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.