Earn points. We'll pay you back in rewards.

  • Earn 3 points per dollar spent at Gas Stations, Grocery Stores, Discount Stores, Restaurants, and Fast Food locations.2

  • Earn 1 point per dollar spent everywhere else.

  • Redeem your reward points for Statement Credits, Gift Cards, Travel, Merchandise, Entertainment and more.

  • Rewards are unlimited and do not expire for five years.3

Plus, enjoy these other great benefits:

  • No Annual Fee4

  • $0 Liability Protection on unauthorized purchases.6

  • Enjoy great Visa benefits like travel assistance services, auto rental insurance, and more.5

  • Easy online access and controls.

You're Pre-Approved!1

  1. 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 and debt-to-income ratio. See the Important Cost Information and the Agreement and Disclosures, included on the reverse side of your preapproval offer letter, including your agreement that we may obtain a credit report to confirm that you meet the requirements of this offer.

  2. 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 Program Rules for details.

  3. Use your new UMB Simply Rewards card to make $1,500 in net purchases within 90 days of account opening and 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. 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.

  4. APRs: APR for Purchases: 0.00% introductory APR for 12 months. After that, 16.24% to 24.24% 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, 16.24% to 24.24% (based on your credit worthiness) if your balance transfer is treated as a purchase, or 29.24% if your balance transfer is treated as a cash advance. Those APRs will vary based on the prime rate. APR for Cash Advances: 29.24%. 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. Overdraft Protection: 3% of the amount of the Overdraft Advance, with a $10 minimum and a $25 maximum.


  5. See Rewards Rules, Guide to Benefits and Cardholder Agreement that accompany your card for details. Certain terms and conditions apply.

  6. 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.

©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 was included with your preapproval offer letter.

Information about the costs of credit cards is accurate as of January 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.

Apply Now

UMB Simply Rewards® 

Earn 3 points per dollar spent on everyday purchases2

Simply Reward card

Apply Now to receive:

  • 20,000 Bonus Points when you spend $1,500 in the first 90 days of account opening.3

  • 0% Introductory Purchase APR for 12 months, then a variable APR of 16.24% to 24.24% based on your creditworthiness.4

  • 0% Introductory Balance Transfer APR for 12 months for balances transferred within 60 days of account opening, then a variable APR of 16.24% to 24.24% based on your creditworthiness.4