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UMB Direct Cash® Visa® Signature Credit Card
UMB Direct Cash® Visa® Signature Credit Card
- 17.24% to 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.24% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The UMB Direct Cash® Visa® Signature Credit Card is a simple cash back rewards card that is designed to put the money you spend back in your pocket. It’s easy to use, and cash back can be earned on every single qualifying purchase you make – there is no limit to how much cash back you can earn, and your rewards will never expire. This card is easy to use and boasts a middling APR along with no annual fee and a special introductory APR for balance transfers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1.25% cash back on monthly purchases up to $5,000
- Earn 1.5% cash back on monthly purchases in excess of $5,000
- No annual fee
- Introductory APR of 0% on balance transfers made within 60 days of account opening, for 12 billing cycles after account approval
- Regular Purchase APR: 17.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 17.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $15 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 3% of the amount of each cash advance, whichever is greater ($50 maximum)
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
- You want a credit card that does not charge an annual fee
- You would like to earn cash back from all purchases, large and small
- You will take advantage of an introductory balance transfer APR of 0% for the first 12 months of account use to save money while paying down existing debt
- You value your privacy and added perks like $0 Liability from unauthorized purchases
UMB Simply Rewards Visa® Credit Card
UMB Simply Rewards Visa® Credit Card
- 16.24% to 24.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.24% to 24.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.24% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The UMB Simply Rewards Visa® Credit Card makes it simple to earn points from everyday purchases – cardholders can easily earn up to 3X points for every dollar they spend on qualifying purchases with their UMB credit card, simply by swiping at the register, or using it for online purchases. Issued by UMB Bank, this versatile card is perfect for those who are planning to make a large purchase with their card, or who are looking for a way to pay down an existing balance.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3X points for every $1 spent on gas, groceries, discount stores, restaurants, and fast food
- Earn 1X point for every $1 spent on all other qualifying purchases
- 0% APR on purchases and balance transfers for 12 months
- No annual fee
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 16.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 16.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $15 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 3% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
- You’re willing and able to spend $1,500 in the first 90 days of opening an account to take advantage of 15,000 bonus points
- You would utilize a generous introductory APR of 0% for balance transfers and 0% for all purchases for the first 12 billing cycles after opening a card account
- You want a card that rewards everyday spending with 3X points at gas stations, grocery stores, restaurants and more
- You want a card with no annual fee
Casey’s Visa Signature® Card
Casey’s Visa Signature® Card
- 19.49% to 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.49% to 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 31.49% variable based on the Prime Rate Cash Advance APR
At a Glance
Save money at the pump and pay no annual fees with the Casey’s Visa Signature® Card. Issued by UMB Bank, the card provides 2% cash back on Casey’s purchases every day, with rewards automatically redeemed as Casey’s gift cards.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Save up to 10 cents per gallon for the first 60 days
- Earn 4% on purchases at Casey’s and 2% on all other purchases for first 60 days
- Earn 2% on purchases at Casey’s locations and 1% on all other purchases
- Receive a Casey’s Gift Card when you accumulate $20 in rebates
- Regular Purchase APR: 19.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months
- Balance Transfer APR: 19.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the amount of the transfer or $15, whichever is greater
- Cash Advance APR: 31.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 3% of the amount of the advance or $15, whichever is greater$50 maximum
- Foreign Transaction Fee: 2% of the transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
- You frequently purchase gasoline from Casey’s
- You have a small existing credit card balance they want to pay down
- You don’t like confusing award options
- You don’t want to pay an annual fee
Farm Sanctuary Visa® Credit Card
Farm Sanctuary Visa® Credit Card
- 18.24% to 22.24%variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24% to 22.24%variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.24% variable based on the Prime Rate Cash Advance APR
At a Glance
Are you a friend of farm animals? Animal advocates will crow about the Farm Sanctuary Visa® Credit Card; issued by UMB Bank, this Visa credit card is a simple financial tool with good intentions that donates money to a great cause each time it’s used. Designed for animal lovers, it features images of our favorite farm animals to help raise awareness about the plight of cattle, livestock and other domestic creatures.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- A donation of $50 is made to Farm Sanctuary after each credit card account is approved and used within the first 90 days of approval
- Each time the card is used, 0.5% of the amount of each purchase is donated to Farm Sanctuary
- No annual fee
- 0% introductory APR on balance transfers for 12 months, when balance transfer is completed within 90 days of opening an account
- Regular Purchase APR: 18.24% to 22.24%variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% APR for 12 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 18.24% to 22.24%variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $15 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 3% of the amount of each cash advance, whichever is greater ($50 maximum)
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
- You love farm animals and want to help end farm animal abuse
- You want to give back each time you make a purchase
- You will help farm animals by using this card for everyday spending
- You want a credit card that has no annual fee
- You would like convenient online access to manage card account information and make payments
DC Power Visa®
DC Power Visa®
- 14.24% to 24.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.24% to 24.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 26.24% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 2,500 points and $50 Fandango promo code after spending $500 within the first 90 days
- 3X points on entertainment
- 2X points on dining & gas
- 1X points on everything else
- Customizable card design
- No annual fee
- 10% off purchases at shopdcentertainment.com
- 10% off purchases at shopdcentertainment.com
- 20% off WB Studio Tour Hollywood and merchandise
- Regular Purchase APR: 14.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 14.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: $15 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 26.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: $15 or 3% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
- N/A
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UMB Bank Credit Cards
UMB Bank issues several credit cards, including the DC Power Visa Card. The bank issues credit cards for other banks and third parties, with the DC Power Card and the Farm Sanctuary Visa charity credit card being the most prominent examples.
The bank issues its own credit cards as well, with two rewards cards bearing the UMB name.
All UMB credit cards are Visa products, meaning they offer Zero Fraud Liability, Visa Roadside Assistance, cardmember assistance services, and more.
FAQs About UMB Bank
Here are answers to common questions about UMB Bank:
- The routing number for UMB Bank is 101000695.
- To reach a UMB representative, call toll-free at 1-800-860-4862.
- Morgan Stanley uses UMB to process checks through the Federal Reserve. For this reason, Morgan Stanley may see UMB Bank on their checks or deposits as the bank of record. They are not the same company, however.
- UMB stands for United Missouri Bank or United Missouri Bancshares.
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