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UMB Credit Cards

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

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

UMB SIMPLY REWARDS

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

UMB DIRECT CASH

Automatically get cash back—no hassle required.

Introductory Rate:

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

Benefits	Simply Rewards	Direct Cash
Reward Type	Points	Cash Back as Statement Credit
Simple redemption	You choose how and when to redeem points for merchandise, gift cards, account credits and more.	Cash back is automatically redeemed every quarter. No websites, nothing for you to do. Minimum redemption is $25.
Valuable Earnings	Earn three points per dollar spent at gas stations, grocery stores, discount stores, restaurants and fast food locations. Earn one point per dollar spent on other purchases.3	1.25% cash back on monthly purchases up to $5,000 and 1.5% cash back on monthly purchases in excess of $5,000
Reward Expiration	5 Years	Never
Other Card Details	Learn More	Learn More

        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

    

Still unsure?

Use our Decide Guide to get answers tailored to your needs

Chat with your local banker

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

FIND ANOTHER BRANCH >

1800 Grand Blvd
Kansas City, MO 64108
816.218.2210

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

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When you click links marked with the “‡” symbol, you will leave UMB’s Web site and go to Web sites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other Web sites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.

Where do you plan to use your credit card the most when making purchases?

Gas Stations, Grocery Stores, Discount Stores
Restaurants and Fast Food
Automotive, Department Stores, Home Improvement, Travel / Entertainment
Services, Education, Government Services, Medical Services

Which items would you prefer to redeem?

Cash back
Travel & Special Events
Gift Cards & Merchandise

How do you prefer to manage your rewards earned from purchases?

I prefer automatic redemption
I prefer a variety of rewards options that I can control

We think the UMB Simply Rewards™
Visa Signature® Card would be good for you.

UMB Simply Rewards™ Visa Signature® Card. The best way to earn points and provides self-selected redemption for a variety of rewards including account credit, gift cards, merchandise, travel, special events, and more.

GET STARTED

We think the UMB Direct Cash™
Visa Signature® Card would be good for you.

UMB Direct Cash™ Visa Signature® Card. The easiest way to get cash back and an automatic redemption program that only redeems for account credit.