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Small Business Credit Cards

Track and control your small business spending with a credit card from UMB. We offer several credit accounts to give your business the edge it needs to successfully compete.

With UMB credit cards you receive:

  • Billing options
  • Spending controls
  • Worldwide acceptance
  • Business reporting packages
  • Online account access
  • Fraud protection

UMB Visa® Business Rewards Card 
Businesses that are enrolled in the Visa business credit card rewards program will earn one point for each dollar spent when using their enrolled rewards card. The company can redeem these points for cash, travel or merchandise rewards. There is an annual fee to enroll in this program.

  • Save time and money with a UMB Visa business credit card — accepted at millions of locations, online and off, which makes the perfect payment method for office supplies, travel and entertainment, and even monthly bills.
  • Earn rewards — select travel, merchandise or cash — or choose all three.
  • Customize your rewards program to fit your company’s needs:
    • Link all points earned by your company into one account
    • Allow each employee to maintain his/her own account through individual billing
  • Earn one point for every dollar in purchases and redeem for travel, merchandise or cash awards. Unlike other reward programs, you are not limited in the amount of points you can earn each year.  

UMB Visa® Business Credit Card
UMB Visa Business Card is a no-annual fee credit card with customized spending limits and can be used anywhere Visa is accepted.

  • Spending limit up to $25,000 based upon your company’s needs
  • Designed for businesses with 50-or-fewer employees with a need for 20-or-fewer cards
  • Make payments online and access your account balance or transactions.
  • Minimum payment of five percent of balance or $50
  • Covers travel and emergency assistance, auto rental insurance, travel accident insurance and extended protection

UMB Visa® Commercial Card
The UMB Visa Commercial Card can simplify your business transactions by reducing the high cost of small-dollar purchases and by eliminating the time and paperwork associated with requisitions, approvals, purchase orders and invoice processing. Each account can be tailored to your business needs and there is no limit to the number of cards issued.

  • Limits can be placed on individual cards including dollar limits, total spending limits and vendor blocking.
  • Designed for businesses with 25 or more employees and revenues greater than $2 million.
  • No annual fee
  • Make payments online and access your account balance or transactions.
  • Customized reports

For more information about our small business credit cards, please contact us via phone or e-mail.

Certain restrictions, conditions and exclusions apply.