More spending power, more rewards

2X points on your top two spending categories, 1X points on all other purchases

Increase purchase power and boost cash flow

Take advantage of 24-30 days to pay after each billing cycle, giving you the flexibility to cover essential expenses without tying up your cash.

Flexible billing options

Choose which works best for your business— individual or consolidated billing to streamline expense tracking and reconciliation.

Hassle-free expense tracking

Save time with detailed reporting and seamless card management tools that give you greater visibility, control and simplified tracking of business and employee spending.

Bank deposit products provided by UMB Bank n.a., Member FDIC. Equal Housing Lender  

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Streamline expense management, control spending, improve cash flow, all while earning rewards with the UMB Visa Signature Business Rewards Credit Card.¹

FAQs

1. Subject to credit approval. Rates and fees subject to change. Eligible for new UMB Visa Signature Business Rewards Credit Card customers only. 20,000 Bonus Points equal to $200 in account credit. Within 90 days of opening your new UMB Visa Signature Business Credit Card account, approved applicants must use their card(s) to make $2,000 in Net Purchases to receive the 20,000 bonus points. Bonus points will be applied to your account within 45 days of meeting the spend requirement. The Program Member’s Control Account or the Cardholders account (if cards are billed to an individual Cardholder) earn two (2) Points for each dollar on Net Purchases that fall within the top two (2) merchant category codes (MCCs) for that month, based on the total dollar volume of Net Purchases in each category. UMB Bank n.a. will use the MCCs assigned by the Card Network to identify your Net Purchases that qualify for accelerated Points earning. See the Visa Signature Business Card Rewards Program Rules for complete details about the rewards program.
2. APRs: Introductory APR for Purchases: 0.00%. This APR is an introductory APR for the first 9 months. After that, your APR will be 16.49% (quote based on the Prime Rate currently in effect). This APR will vary with the market based on the Prime Rate. APR for Cash Advances: 25.49%. 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. Cash Advances: 3% of the amount of the cash advance, with a $15 minimum. Foreign Transactions: 2% of the U.S. dollar amount of each Cash Advance or Purchase. Late Payment Fee: $15 if New Balance is less than $100; $29 if New Balance is between $100 and $999.99; $39 if New Balance is $1,000 or more. Issuer retains the right to change the rates and fees that apply to your account as permitted by applicable law. See the Interest Rate and Charges section of the Application for more information.

Ready to get started?

Apply online in just minutes. Our simple, secure application puts you one step closer to smarter spending, greater rewards, and better expense oversight.

Security you can count on

Zero liability protection— you’re not responsible for unauthorized charges

Visa Fraud Monitoring— real time alerts to help detect and prevent suspicious activity

More spending power, more rewards

2X points on your top two spending categories, 1X points on all other purchases

Additional Features

Streamline expense management, control spending, improve cash flow, all while earning rewards with the UMB Visa^® Signature Business Rewards Credit Card.¹