Conditions

1. Subject to credit approval. See the Important Cost Information and the Agreement and Disclosures, including your agreement that we may obtain a credit report to confirm that you meet the requirements of this offer.
2. UMB Simply Rewards® Visa® Credit Card. Cardholders earn 3 points per dollar on Net Purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5872 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other Net Purchases. See UMB Simply Rewards Progam Rules for details.
3. UMB Direct Cash® Visa® Credit Card. Cardholders earn 1.5 points per dollar spent on all Net Purchases. See the UMB Direct Cash Rewards Program Rules for complete details.
4. UMB Travel Select® Visa® Credit Card. Cardholders earn 3 points per dollar on Net Purchases with MCC codes: 3000-3756 (airlines, hotels and resorts),  3780 (resorts), 4131 (tour buses), 4411 (cruise ships), 4511 (other airlines), 7011 (lodging) and 7512 (car rentals). Cardholders earn 1 point per dollar on all other Net Purchases. See UMB Travel Select Rewards Program Rules for details. 
   
5.  Use your new UMB Simply Rewards, UMB Travel Select or UMB Direct Cash 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. 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.  
6. APRs: APR for Purchases: 0.00% introductory APR for 12 months. After that, 17.24% to 25.24% 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, 17.24% to 25.24% (based on your credit worthiness) if your balance transfer is treated as a purchase, or 30.24% if your balance transfer is treated as a cash advance. Those APRs will vary based on the prime rate. APR for Cash Advances: 30.24%. 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: 3% of the amount of the balance transfer, with a $15 minimum and no maximum. Cash Advances: 3% of the amount of the cash advance, with a $15 minimum and a $50 maximum. Foreign Transactions: 2% of the U. S. dollar amount of each Cash Advance or Purchase (Foreign Transaction Fees are waived for UMB Travel Select cardholders). Overdraft Protection: 3% of the amount of the Overdraft Advance, with a $10 minimum and a $25 maximum.
7.  See Rewards Rules, Guide to Benefits and Cardholder Agreement that accompany your card for details. Certain terms and conditions
   apply. 
   
8. Visa’s Zero Liability Policy 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 the issuer.
   
   See card application for important rate, fee and program information. © 2023 Visa Inc. and UMB Bank. Member FDIC. All rights reserved.
    
   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, 2023. 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.
   
   

UMB Simply Rewards^®

Earn 3 points per dollar spent on your everyday purchases.²

UMB Travel Select^®

Earn 3 points per dollar spent on your travel related purchases.⁴

Other great benefits with either card program you choose:

• Great Visa benefits like travel assistance services, auto rental insurance and more⁷
• $0 Liability Protection⁸ on unauthorized purchases
• Secure and easy account access with UMB Online and Mobile Banking

Choose the credit card that fits your lifestyle and get started today!¹

Introductory Offers

15,000 Bonus Points when you spend $1,500 in the first 90 days of account opening.⁵

UMB Direct Cash^®

Earn 1.5 points per dollar spent on all purchases.³

0% Introductory Purchase APR for 12 months, then a variable APR of 17.24% to 25.24% based on your creditworthiness.⁶ 

0% Introductory Balance Transfer APR for 12 months for balances transferred within 60 days of account opening, then a variable APR of 17.24% to 25.24% based on your creditworthiness.⁶