Small Business Credit Card
More spending power, more rewards
Earn 2x points in your top two spending categories each month - automatically
Streamline expense management, control spending, improve cash flow, all while earning rewards with the UMB Visa Signature Business Rewards Credit Card.1
Card Features
Increase purchasing power and cash-flow protection
Take advantage of 24-30 days to pay after each billing cycle, giving you the flexibility to cover essential expenses without tying up your cash.
Flexible billing options
Choose which works best for your business— individual or consolidated billing to streamline expense tracking and reconciliation.
Hassle-free expense tracking
Save time with detailed reporting and seamless card management tools that give you greater visibility, control and simplified tracking of business and employee spending.
Security you can count on
Zero liability protection— you’re not responsible for unauthorized charges
Visa Fraud Monitoring— real time alerts to help detect and prevent suspicious activity
Connect with a Small Business Specialist
We're here to answer any of your questions. Let’s connect about our full suite of small business banking services, and we’ll help you find the right solution.
Redeem Rewards
Turn your rewards points into what your business needs most
Cash Back
Spend more, earn more to reinvest in your business.
Gift Cards
Fuel client appreciation or incentivize your team.
Travel
Cover flights, hotels, and more for your business. And more!
Travel Perks
Travel Perks
You're covered wherever business takes you
- Travel & Emergency Protection— coverage includes travel accident insurance, rental car insurance, roadside assistance, and more.
- Visa Business Benefits— Includes cell phone protection, extended warranties, purchase security, and more.
FAQs
FAQs
- Business name, address and tax ID
- A mobile phone number that we will text to verify your identity
- Date the business was established or the business acquisition date of current ownership
- The Social Security number, address and date of birth of all business owners.
- Nature of business (industry and/or NAICS code)
- Financial details, including gross annual sales, net profit, total business assets and total business liabilities
- Business documentation such as filing documents, organizing documents, operating agreement, partnership agreement and bylaws
The digital application typically takes 15-20 minutes to complete.
Yes, you will be directed to establish a login when you first start the application. You can save and return to the application later using the login you established. Visit: sbloanapply.umb.com to login.
You can view the status of your application by logging in to the portal using the login information you established when you submitted your application. Visit: sbloanapply.umb.com to login.
No, but we offer a comprehensive suite of tools and solutions to help you manage your business finances from anywhere at any time. Learn more at UMB Business Banking.
Applications are typically processed within 2-3 business days.
Once your application has been approved, you should receive your business credit card within___ business days.
Yes, you can request additional employee cards at no extra cost and set individual spending limits.
Other Products and Services
1Subject to credit approval. Rates and fees subject to change. Eligible for new UMB Visa Signature Business Rewards Credit Card customers only. 20,000 Bonus Points equal to $200 in account credit. Within 90 days of opening your new UMB Visa Signature Business Credit Card account, approved applicants must use their card(s) to make $2,000 in Net Purchases to receive the 20,000 bonus points. Bonus points will be applied to your account within 45 days of meeting the spend requirement. The Program Member’s Control Account or the Cardholders account (if cards are billed to an individual Cardholder) earn two (2) Points for each dollar on Net Purchases that fall within the top two (2) merchant category codes (MCCs) for that month, based on the total dollar volume of Net Purchases in each category. UMB Bank n.a. will use the MCCs assigned by the Card Network to identify your Net Purchases that qualify for accelerated Points earning. See the Visa Signature Business Card Rewards Program Rules for complete details about the rewards program.
2APRs: Introductory APR for Purchases: 0.00%. This APR is an introductory APR for the first 9 months. After that, your APR will be 16.49% (quote based on the Prime Rate currently in effect). This APR will vary with the market based on the Prime Rate. APR for Cash Advances: 25.49%. 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. Cash Advances: 3% of the amount of the cash advance, with a $15 minimum. Foreign Transactions: 2% of the U.S. dollar amount of each Cash Advance or Purchase. Late Payment Fee: $15 if New Balance is less than $100; $29 if New Balance is between $100 and $999.99; $39 if New Balance is $1,000 or more. Issuer retains the right to change the rates and fees that apply to your account as permitted by applicable law. See the Interest Rate and Charges section of the Application for more information.