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UMB Bank Credit Cards

We found 3 UMB Bank credit cards. Read on to get more insights.

UMB Bank
4.57
By Hanna Volkava
Updated November 01, 2024
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UMB Bank Simply Rewards Visa®

UMB Bank Simply Rewards Visa®
Annual fee:
$0
Regular APR:
17.24% - 25.24% Variable
Our Rating:
4.94
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 3x Points per dollar spent at gas stations, grocery stores, discount stores, restaurants and fast food locations.
    • 1x Point per dollar spent on all other purchases.
  • Intro Offer:
    • 15,000x Bonus Points when you spend $1,500 in the first 90 days of account opening.
  • Purchase Intro APR:
    0% Introductory APR for 12 months
  • Balance Transfer APR:
    17.24% - 25.24% Variable
  • Issuer name:
    UMB Bank
  • Details:

    The Simply Rewards Visa® Credit Card earns 15,000 bonus points when you spend $1,500 in the first 90 days of account opening.

    The Card offers 3x points for every $1 spent on gas, groceries, discount stores, restaurants, and fast food and 1x point for every $1 spent on all other qualifying purchases.

    The Simply Rewards Visa® doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 months on purchases. In addition, there is a 0% introductory APR period for 12 billing cycles on balance transfers made within 60 days of account opening. After that, the variable APR is 17.24% - 25.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 15,000 bonus points (when you spend $1,500 in the first 90 days of account opening);
    • 3x points for every $1 spent on gas, groceries, discount stores, restaurants, and fast food;
    • 1x point for every $1 spent on all other qualifying purchases;
    • $0 liability protection.
View all Simply Rewards Visa® details
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Card detail

UMB Bank Casey’s Visa Signature®

UMB Bank Casey’s Visa Signature®
Annual fee:
$0
Regular APR:
19.49% - 29.49% Variable
Our Rating:
4.05
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back on purchases at Casey's locations.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • 8.77% Save up to 10 cents per gallon for the first 60 days.
    • 4% Cash Back on purchases at Casey's for the first 60 days.
    • 2% Cash Back on all other purchases for the first 60 days.
  • Balance Transfer APR:
    19.49% - 29.49% Variable
  • Issuer name:
    UMB Bank
  • Details:

    The UMB Bank Casey’s Visa Signature® Credit Card earns 4% on purchases at Casey's, 2% on all other purchases for the first 60 days. The Card offers 2% on purchases at Casey's locations and 1% on all other purchases. You can save up to 10 cents per gallon for the first 60 days.

    The Casey’s Visa Signature® doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 billing cycles on balance transfers made within 60 days of account opening. After that, the variable APR is 19.49% - 29.49%.

  • Pros:
    • No Annual Fee
    • Intro APR period on balance transfers
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 10 cents per gallon for the first 60 days;
    • 4% Cash Back on purchases at Casey's for the first 60 days;
    • 2% Cash Back on all other purchases for the first 60 days;
    • 2% Cash Back on purchases at Casey's locations;
    • 1% Cash Back on all other purchases;
    • Zero Liability Protection;
    • Travel Assistance Services;
    • Auto Rental Insurance.
View all Casey’s Visa Signature® details
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Card detail

UMB Bank Direct Cash® Visa® Signature

UMB Bank Direct Cash® Visa® Signature
Annual fee:
$0
Regular APR:
17.24% - 25.24% Variable
Our Rating:
4.94
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5x Points per dollar spent on all net purchases.
  • Intro Offer:
    • 15,000x Bonus Points when you spend $1,500 in the first 90 days of account opening.
  • Purchase Intro APR:
    0% Introductory APR for 12 months
  • Balance Transfer APR:
    17.24% - 25.24% Variable
  • Issuer name:
    UMB Bank
  • Details:

    The UMB Bank Direct Cash® Visa® Signature Credit Card earns 15,000 bonus points when you spend $1,500 in the first 90 days of account opening. The Card offers 1.5x point on all purchases.

    The Direct Cash® Visa® Signature Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 months on purchases. In addition, there is a 0% introductory APR period for 12 billing cycles on balance transfers made within 60 days of account opening. After that, the variable APR is 17.24% - 25.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 15,000 Bonus Points (when you spend $1,500 in the first 90 days of account opening);
    • 1.5x point on all purchases;
    • Secure access to Apple Pay,® Samsung Pay, Garmin Pay™ and Fitbit Pay™;
    • $0 liability protection on unauthorized purchases;
    • Travel Assistance Services;
    • Auto Rental Insurance.
View all Direct Cash® Visa® Signature details
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Card detail

How to Choose the Right UMB Bank Credit Card?

Choosing the right credit card from a specific credit card company can be hard. Considering UMB Bank, there are three steps that will make your decision process easier.

First and foremost, you should figure out your credit score. It can vary from "Poor” to “Excellent”, and the higher your credit score is, the better UMB Bank options of credit cards are available to you.

Secondly, you should decide on why you need a UMB Bank credit card and determine key aspects your potential credit card should have. If you want a credit card to increase your credit, look for those with large grace period and no annual fee. If you want to avoid spending money on interest, UMB Bank credit cards with the lowest interest and long intro offer are your best choice. In case you are looking for a credit card that will provide you cashback, pay attention to the rewards program offered by UMB Bank.

Finally, compare the UMB Bank offers you think are the best for you, but taking into consideration all the aspects. Overall, the best credit card meet the following characteristics: near-zero annual percentage rate (APR), low fees, high credit limit, and numerous rewards and sign-up bonuses. You can easily compare UMB Bank credit cards in the table below.

Side-by-Side Comparison of UMB Bank Credit Cards

Card Name APR Annual fee Rewards Intro offer
Simply Rewards Visa® 17.24% - 25.24% Variable $0
  • 3x Points per dollar spent at gas stations, grocery stores, discount stores, restaurants and fast food locations.
  • 1x Point per dollar spent on all other purchases.
  • 15,000x Bonus Points when you spend $1,500 in the first 90 days of account opening.
    • Casey’s Visa Signature® 19.49% - 29.49% Variable $0
  • 2% Cash Back on purchases at Casey's locations.
  • 1% Cash Back on all other purchases.
  • 8.77% Save up to 10 cents per gallon for the first 60 days.
  • 4% Cash Back on purchases at Casey's for the first 60 days.
  • 2% Cash Back on all other purchases for the first 60 days.
    • Farm Sanctuary Visa® 19.24% - 23.24% Variable $0
  • 0.5% Each time the card is used, 0.5% of the amount of each purchase is donated to Farm Sanctuary.
  • $50 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.
    • Direct Cash® Visa® Signature 17.24% - 25.24% Variable $0
  • 1.5x Points per dollar spent on all net purchases.
  • 15,000x Bonus Points when you spend $1,500 in the first 90 days of account opening.

    • Conclusion

    UMB Bank has a range of credit cards with different features, yet it’s better to find the one that will be the best for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us

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