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Exciting news for Rural King Visa® cardholders

Earn more with every purchase starting Today!

Rural King visa card
five percent rewards

on Rural King purchases 1

three percent rewards

on gas, grocery, fast food & dining purchases1

one percent rewards

on all your other purchases1

Automatically receive a $5 Reward for every 500 points earned.2

Rural King and UMB Card Services have partnered to bring you a new and improved Rural King Rewards Visa credit card offering more rewards.

Low Promo APR 3

$0 Fraud Liability 4

$0 Annual Fee 3

Cardholder Checklist

Activate

You can NOW activate your Rural King Rewards Visa credit card by calling 855.253.1057

Use

Make purchases with your new card to start earning accelerated rewards.

Enroll

Set up online account management at cardcenterdirect.com to view statements, make payments, and more

Make Payments

Please ensure your credit card payments are going to Card Services. Payments to Redstone FCU will no longer process.

Support and Resources

If you’re unable to locate your card or need assistance with activation, contact our 24/7 Card Services Credit Card Account Support at 833.814.0891.

For online banking assistance, contact our Online Banking and Mobile Access support team at 877.253.4098, Mon-Fri 7AM-8PM CT and Sat 8AM-5PM CT.

Check out the Rural King Rewards Visa Quick Start Guide for enrollment assistance and to learn more about your new card.

To ensure timely payment of your Rural King Rewards Visa, please update your payment information to Card Services. Any automatic payments, future-dated payments, or online Bill Payment scheduled to go to Redstone Federal Credit Union will not process.

More Information

Here are some additional details about your new Rural King Rewards Visa credit card.

Receiving Your New Card

Updating Your Account With Redstone

Make sure your current physical address, mailing address (if different from your physical address), email address, and phone numbers are correctly on file with your account at Redstone Federal Credit Union. This will help facilitate a smooth transition to your new credit card account.

Receiving Your New Card

Your new Rural King Rewards Visa credit card will arrive via mail.

New Credit Card Appearance

Your new credit card will look the same from the front. The core of your new UMB Bank issued card will be black. The back will show that it is issued by UMB Bank, n.a. with new phone number for customer service.

Contactless Payments

Your new Rural King Rewards Visa will be a contactless card. You will be able to tap the terminal with your card wherever you see the contactless sign and your payment will begin processing.

Customer Service

Credit Card Account Support

Available 24 hours a day / 7 days a week
by calling 833.814.0891

Online Banking and Mobile Access Support

Available Mon – Fri 7AM – 8PM CT and
Sat 8AM – 5 PM CT by calling 877.253.4098

  1. Cardholders will earn five (5) Points per dollar on Net Purchases made at Rural King store locations, or ruralking.com and Rural King affliates, subject to the following limitations:

    Cardholders will earn one (1) Point per dollar on all other Net Purchases including Net Purchases made at in store clinics such as Country Critters, and Net Purchases made from Rural King through third party websites (i.e. Amazon or Google Express), subject to the Card Program Point Exclusions. Card Program Point Exclusions:

    Cardholders will not earn Points on a) Rural King store purchases that receive special financing; b) tractor purchases; c) the purchase of Rural King Gift Cards; and Visa, American Express or Mastercard gift/prepaid cards; d) taxes, bottle deposits, shipping, delivery, handling and all other fees or charges; e) Purchases made prior to the date the Card was issued; and f) where otherwise prohibited by law.

    Issuer will use merchant identification numbers (MIDs) to identify Rural King and ruralking.com Net Purchases.

    Cardholders will earn three (3) Points per dollar on Net Purchases made at Gas Stations, Grocery Stores, Restaurants, and Fast Food. However, cumulative Grocery Store Net Purchases that exceed $3,000 in a calendar year will earn one (1) Point per dollar spent. Issuer will use merchant category codes (MCCs) assigned by the Card Network to identify Net Purchases made at Gas Stations, Grocery Stores, Restaurants and Fast Food. Those MCCs are as follows: 5541 and 5542 (Gas Stations), 5411 (Grocery Stores), 5812 (Restaurants) and 5814 (Fast Food). While Issuer makes every effort to include all relevant merchant codes in the rewards categories, Issuer does not determine whether merchants correctly identify and bill transactions within these MCCs. In addition, a merchant or some of the items that a merchant sells may appear to fit within a rewards category, but the merchant may not, in fact, have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for rewards offers on purchases in that category.

    Cardholders will earn one (1) point per dollar on all other Net Purchases. See the Rural King Rewards Program Rules located at https://umb.com/RuralKingVisaRewardsProgramRules for complete details.

  2. Card Program participants will automatically receive a $5 reward for every 500 Points earned. Rewards are automatically issued within seventy-two (72) hours of meeting the qualifying point threshold and may only be used at Rural King store locations on qualified purchases. Certain exclusions apply. See the Rural King Rewards Program Rules located at https://umb.com/RuralKingVisaRewardsProgramRules for complete details.

  3. APRs: APR for Purchases: 21.49% to 31.49% based on your creditworthiness. This APR will vary with the market based on the prime rate. Optional Promotional APR for Purchases: 0% for six (6) months on qualified purchases of $299.00 or more made at Rural King store locations. After the 6 months, the APR will be 21.49% to 31.49% based on creditworthiness. This APR will vary with the market based on prime rate. You will not earn rewards on a purchase when you elect to apply the Promotional Purchase APR to that qualified purchase. APR for Balance Transfers: 0% 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, 21.49 to 31.49% if your balance transfer is treated as a purchase, or 32.00% if your balance transfer is treated as a cash advance. Those APRs will vary based on the prime rate. APR for Cash Advances: 32.00% based on your creditworthiness. This APR will vary with the market based on the prime rate. The APR for Purchases, Balance Transfers and Cash Advances will not exceed 32.00%. 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. Issuer retains the right to change the rates and fees that apply to your account as permitted by applicable law. See the Important Cost Information about our Credit Card disclosure on the Rural King Rewards Visa credit card application for more information.

  4. Visa’s Zero Liability Protection covers U.S.-issued cards only and does not apply to certain commercial card transactions. You must notify UMB Bank immediately of any unauthorized use. For specific restrictions, limitations, and other details, please call (833) 814-0891.

    Information about the costs of credit cards is accurate as of November 1, 2023 This information may have changed after that date. To find out what may have changed, call 855.368.0410 or send your request to UMB Card Services, P.O. Box 419734, Kansas City, Missouri 64141-6734.

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    UMB Card Services is a Division of UMB Bank n.a.

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