As our welcome to you, enjoy a bonus of 20,000 points with a UMB credit card.¹

Welcome to UMB! We’re excited to serve your financial needs now and into the future, starting with this special bonus.

Compare UMB Credit Cards

Low Intro APR

• 0% Intro APR on all Purchases for 12 months.⁵
• 0% Intro APR on Balance Transfers for 12 months, when the Balance Transfer is made within 60 days of account opening.⁵
• After your promotional period expires, a variable APR of 16.24% to 24.24% will apply based on your creditworthiness.⁵

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

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1. Subject to credit approval. Use your new Simply Rewards, Travel Select or Direct Cash credit 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. Offers may vary depending on the marketing channel, such as email, online, direct mail, or in branch, and can change over time. To be eligible for this special offer, you must apply for your new UMB Simply Rewards, Travel Select or Direct Cash credit card via the Apply Now buttons on this page, or in-person at a UMB branch and complete the special offer requirements. Review offer details before you apply.
2. See the UMB Simply Rewards Program Rules for complete details about this rewards program. Merchant Category Codes (MCCs) eligible for 3 points per dollar spent 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.
3. See the UMB Direct Cash Program Rules for complete details. Cardholders earn 1.5 points per dollar spent on all Net Purchases.
4. See the UMB Travel Select Program Rules for complete details. Merchant Category Codes (MCCs) eligible for 3 points per dollar are the following: 3000-3756 (airlines, hotels and resorts), 3780 (resorts), 4131 (tour buses), 4411 (cruise ships), 4511 (other airlines), 7011 (lodging) and 7512 (car rentals). Cardholders earn 1 point per dollar on all other Net Purchases.
5. APRs: APR for Purchases: 0.00% introductory APR for 12 months. After the first 12 months, 16.24% to 24.24% based on your creditworthiness. This APR 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 creditworthiness) 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 (Foreign Transaction Fees are waived for UMB Travel Select cardholders). Overdraft Protection: 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. Information about the cost of credit cards is accurate as of February 1, 2025. 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, MO 64141-6734.
6. 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.

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

Offers subject to change without notice.

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC. 

UMB offers a variety of credit cards, each designed to reward you for your most frequent purchases. From purchases every day to travel, we’ve got you covered.

Earn MORE Rewards Your Way

Welcome to UMB! We’re excited to serve your financial needs now and into the future, starting with this special bonus.

As our welcome to you, enjoy a bonus of 20,000 points with a UMB credit card.¹

Available on all 3 of these card options!