Rewards Points Earned1

  • 3X points per dollar spent; grocery stores, gas stations, discount stores, restaurants and fast food

  • 1 point per dollar spent on all other net purchases

Visa Signature Benefits2

  • Fraud Protection with Visa's Zero Liability Policy, which means you won't be held responsible for any unauthorized charges made with your card or account information3

  • Auto rental coverage, concierge services, emergency cash, travel and emergency assistance, purchase security, warranty manager, and more2

  • Contactless chip-enabled card to provide enhanced security and help protect against fraud4

Look, Tap and Go

UMB Simply Rewards® Visa Signature ® Credit Card

Subject to credit approval. Credit cards are issued by UMB Bank, n.a. under a license from Visa USA, Inc. ©2025 UMB Bank and Visa.

  1. Cardholders earn 3 points per dollar on Net Purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other Net Purchases. 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. See Rewards Rules that is sent with your card for details.

  2. If you are approved with a credit line that is equal to or greater than $5,000, a Visa Signature account will be issued, and if the credit line is less than $5,000, a Visa Platinum account will be issued. The benefits of Visa Platinum accounts differ from Visa Signature accounts. See Guide to Benefits and Cardholder Agreement that accompany your card for details. Certain terms and conditions apply.

  3. 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, UMB Bank, n.a.

  4. The Contactless Symbol and Contactless indicator are trademarks owned by and used with permission of EMVCo, LLC. Cards issued by UMB Bank, n.a.

See card application for important rate, fee and program information.

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Your Life. Your Choice.

PHH has partnered with UMB to provide a credit card solution that meets the needs of our customers.

Online Credit Control

  • Log into CardCenterDirect.com to enroll, view transactions, pay bills, set alerts, and track expenses

  • Includes eStatements with 18 months of history
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Digital Wallets

  • Mobile pays supports: Apple Pay®, Fitbit Pay™, Garmin Pay™, Samsung Pay
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Rewards Point Cap

  • No rewards cap, but points do expire after 5 years
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Redemption Type

  • Redemption through CardCenterDirect.com for merchandise, gift card, statement credit, travel, experiences, and entertainment
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Apply Now

Cardholder Self-Service Contacts
 Online Account Access - www.cardcenterdirect.com
 Rewards Points Redemption - www.cardcenterdirect.com
 Customer Service - 1.800.821.5184

Mobile Pays Supported