Earn points. 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.

You are pre-approved!


You were selected for this offer based on information contained in a consumer report. The offer is conditioned on your satisfying our predetermined criteria for creditworthiness. The credit offer may not be extended if you do not continue to meet, or we cannot verify that you meet, the criteria used to select you for this offer or any other applicable conditions and criteria bearing your creditworthiness, including criteria related to employment, income, collateral, loan-to-value ratio and debt-to-income ratio.

  1. APR for Purchases: 0.00% introductory APR for 12 months. After that, 11.99% to 19.99% 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, 11.99% to 19.99% (based on your creditworthiness) if your Balance Transfer is treated as a Purchase, or 24.99% if your Balance Transfer is treated as a Cash Advance. Those APRs will vary based on the Prime Rate. APR for Cash Advances: 24.99%. 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. Overdraft Protection: Three percent (3%) of the amount of the Overdraft Advance, with a $10 minimum and a $25 maximum.

    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 March 1, 2021. 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.

    Within 90 days of account opening of your new Simply Rewards Visa Card, approved applicants must use the card to make $1,500 in Net Purchases to receive 20,000 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. Cash back is awarded as a statement credit. 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.

  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. ©2021 UMB Bank and Visa.

Apply Now

UMB Simply Rewards® 

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

Apply Now and receive an introductory:

  • 0% APR on all purchases and balance transfers for 12 months, then a variable APR of 11.99% to 19.99% 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.