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UMB Credit Cards

Your Life. Your Choice.
Because earning your
rewards should be
Simple and Direct.

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That’s why we’ve made it easy for you
to compare our credit cards.



The easiest way to earn 3x points you’ll actually use.



Automatically get cash back—no hassle required.

Introductory Rate:

Both cards feature an introductory 0% APR on balance transfers for 12 months3

Other great benefits with either card program you choose:

  • $0 Liability Protection2 on unautorized purchases
  • Enjoy great Visa benefits like travel assistance services, auto rental insurance and more
  • Easy online credit card control

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Still unsure?

Use our Decide Guide to get answers tailored to your needs


Chat with your local banker

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Let’s improve your banking experience.


Visa Checkout is Here

Paying with Visa Checkout is simple and secure.


Paying Digitally is Easy

Pay with Apple Wallet using any of your Apple devices.


Stay Secure with Chip

Visa chip cards are the most secure way to store your card data—and all our new credit cards are armed with this technology.


Transparent Agreement

While actual rates and agreements are based on your unique needs and history, here are some guidelines to get you started.


Rewards Made Easy

Access and shop rewards conveniently and effortlessly with the UMB Simply Rewards Visa® Credit Card program experience.

1 If you do not qualify for the Direct Cash Visa Signature Card, you will automatically be considered for the Direct Cash Visa Platinum Card that earns 1% cash back on all net purchases. The following transactions are excluded from “Purchases” and do not earn cash back rewards: convenience checks, balance transfers (unless our balance transfer offer specifically says otherwise), cash advances, returns, finance charges and credit card interest or fees. See the UMB Direct Cash Visa Platinum Program Rules for complete details about the UMB Direct Cash Visa Platinum credit card. Please see the UMB Direct Cash Visa Signature Program Rules for complete details about the UMB Direct Cash Visa Signature credit card.

2 Account must remain in good standing.

3 See the UMB Simply Rewards Visa Platinum Program Rules for complete details about the UMB Simply Rewards Visa Platinum credit card. Please see the UMB Simply Rewards Visa Signature Program Rules for complete details about the UMB Simply Rewards Visa Signature credit card. Auto rental insurance provided at no additional cost. Certain exclusions and conditions apply. 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 purchases. Credit cards are issued by UMB Bank, n.a. under a license from Visa USA, Inc.

Stop by your local UMB branch

UMB Headquarters
Branch and ATM


1800 Grand Blvd
Kansas City, MO 64108

Lobby Hours

Sunday Closed
Monday 9:00 AM - 5:00PM
Tuesday 9:00 AM - 5:00PM
Wednesday 9:00 AM - 5:00PM
Thursday 9:00 AM - 5:00PM
Friday 9:00 AM - 5:00PM
Saturday 9:00 AM - 12:00PM

UMB Branch

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