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

  • Earn 3 points on purchases at gas stations, grocery stores, discount stores, restaurants, and fast food locations.2

  • Earn 1 point on purchases everywhere else.2

  • Redeem your reward points for account credits, gift cards, travel, entertainment and more.

Plus, enjoy these other great benefits:

  • $0 Liability Protection on unauthorized purchases.3

  • Enjoy great Visa benefits like travel assistance services, auto rental insurance, and more.4

  • Easy online credit card control.

UMB Simply RewardsTM Visa Signature ® Credit Card

  1. APR for Purchases: 0.00% introductory APR for 12 months. After that, 13.74% to 19.74% based on your creditworthiness. The APR in effect after your introductory APR expires will vary with the market based on the Prime Rate. APR for Balance Transfers: 0.00% 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, 13.74% to 19.74% (based on your creditworthiness) if your Balance Transfer is treated as a Purchase, or 26.74% if your Balance Transfer is treated as a Cash Advance. Those APRs will vary based on the Prime Rate. APR for Cash Advances: 26.74%. 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. Balance Transfers: Three percent (3%) of the amount of the Balance Transfer, with a $15 minimum and no maximum. Cash Advances: Three percent (3%) of the amount of the Cash Advance, with a $15 minimum and a $50 maximum. Foreign Transactions: Two percent (2%) of the U.S. dollar amount of each Cash Advance or Purchase. 

    We retain the right to change the rates and fees that apply to your account as permitted by applicable law. For more information, see our Important Cost Information about our Credit Card disclosure, which is provided with our credit card application. 

    Information about the costs of credit cards is accurate as of September 1, 2018. This information may have changed after that date. To find out what may have changed, call us at 855.368.0410 or write to us at UMB Bank, n.a., P.O. Box 419734, Kansas City, Missouri 64141-6734.

  2. 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 Net Purchases. See the  UMB Simply Rewards Visa Platinum Program Rules  for complete details about the rewards programs that we offer.

  3. 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.

  4. Auto 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.

Cards are subject to credit approval. Credit cards are issued by UMB Bank, n.a. under license from Visa USA, Inc. ©2018 UMB Bank and Visa.

Apply Now

UMB Simply RewardsTM 

The easiest way to earn 3X points you'll actually use.

Apply Now and receive an introductory:

  • 0% APR on all purchases for 12 months, then a variable APR of 13.74% to 19.74% based on your credit worthiness.1 

  • 20,000 bonus points when you make $1,500 in purchases with your card within the first 90 days of account opening.