Credit Cards

Credit Cards

Though they sometimes are misused, credit cards can be useful financial tools when used correctly.

  • They provide an additional avenue for making purchases.
  • Credit use is essential in building your credit score and credit history, which may affect approvals for future loans as well as the interest rates you receive on those loans.
  • Paying off your credit card balance every month in a timely manner is a boost for your credit score.
  • Can be used to earn rewards for cash back, travel or merchandise.

Simply Rewards™: Your life. Your choice.

Earn more rewards for all your everyday purchases.1

3x the points

Groceries  Grocery Stores

Cart  Discount Stores

Gas  Gas Stations

Restaurants  Restaurants and Fast Food


1x the points

Wallet  All other purchases

We make it easy to redeem

Access your account to see how many points you’ve earned through online banking or your monthly statement at

Redeem your reward points for Account Credits, Gift Cards, Travel, Entertainment and more.1


Additional VISA Benefits

Fraud Protection
Visa’s Zero Liability Policy means your won’t be held responsible for any unauthorized charges made with your card or account information.2

Including auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more.3


Online Credit Card Control

  • View transactions, pay bills and track expenses.
  • Includes eStatements with 18 months of history.
  • Learn more about our competitive rates and fees.

Apply Now


Cardholder Self-Service Contacts

Cards issued by UMB Bank, N.A.
1Cardholders earn 3 points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards Rules for details.
2Visa'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 your issuer.
3See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.


Contact us for more information regarding our credit card or stop by to apply for your card today!