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UMB Simply Rewards™ Visa Credit Card

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

Use your UMB Simply Rewards Visa® Credit Card for all your everyday qualified purchases and earn points! From groceries to fuel to utility bills, your purchases will really pay off.

Earn Everyday Points1

Earn 3X points on Net Purchases at:

  1. Gas Stations
  2. Grocery Stores
  3. Discount Stores
  4. Restaurants
  5. Fast Food

Earn 1 point per dollar spent on all other Net Purchases.

Use your reward points however you like.

UMB Simply Rewards is an easy-to-use rewards program that allows you to earn points for everyday Net Purchases made with your UMB Simply Rewards credit card. You can use your reward points however you like. Redeem your points for things like:

  • Cash Back/Account Credit
  • Gift Cards
  • Merchandise
  • Prepaid Cards
  • Travel
  • Experiences
  • Live Concerts/Sports
  • Theme Parks
  • Charitable Donations
  • Green Products

Explore the UMB Simply Rewards redemption experience today!

Browse your rewards, check your point balance and more.

  1. Log in to UMB Online Banking at (First-time users will need to create a user ID and password to access UMB Online Banking)
  2. Select the "Activity" link for your credit card account
  3. Select the "Access Your Current Rewards" link under the Rewards section

Plus, enjoy these other great benefits:

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

Apply Now and receive an Introductory 0% APR on balance transfers for 12 months, then a variable APR of 13.74% to 19.74% based on your credit worthiness.3

Click Here to view a printable version of the UMB Simply Rewards Visa Application.

Contact Us Information:

  • Customer Service: Call toll-free at 800.821.5184.
  • Lost/Stolen Cards: Call 24 hours a day at 800.821.5184.

For more information, please contact us or stop by any UMB banking center to speak with a personal banking representative.

1 Subject to credit approval. 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 Net Purchases. Credit cards are issued by UMB Bank, n.a. under license from Visa USA, Inc.
2 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.
3 0% 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, 13.74% to 19.74% (based on your credit worthiness). These APRs will vary with the market based on the Prime Rate.

Take a sneak peek at our 

rewards program today!


Learn more about Simply Rewards™



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