USES

Direct Cash® Visa® Signature from UMB Bank Review

Direct Cash® Visa® Signature from UMB Bank — all information about the credit card.

Updated December 07, 2023
Advertiser Disclosure Our Methodology
UMB Bank Direct Cash® Visa® Signature
Apply now
Our Rating:
4.94 out of 5
scorer
Recommended 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.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Introductory APR for 12 months
  • Regular APR:
    17.24% - 25.24% Variable
  • Balance Transfer APR:
    17.24% - 25.24% Variable
Show more

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UMB Bank Direct Cash® Visa® Signature Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
1.5X
All purchases
$
Have you already recieved the UMB Bank intro bonus?
How would you like to redeem points?
Calculate
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All benefits

  • Points
    • 1.5x On all net purchases.
  • Travel
    • Travel Assistance Services:
    • Travel and Emergency Assistance Services are made available to help You in case of an emergency while You are traveling away from home.
    • Auto Rental Insurance:
    • Rental car insurance protects you against the cost of damages that may occur when renting a vehicle.

Rate and fee information

  • Purchase Intro APR
    • 0% Introductory APR for 12 months
  • Purchase APR
    • 17.24% - 25.24% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening
  • Balance Transfers APR
    • 17.24% - 25.24% Variable
  • APR for Cash Advances
    • 30.24% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 21 days after the close of each billing cycle. You will not be charged interest on Purchases if you pay your entire balance by the due date each month. You will be charged interest on Cash Advances and Balance Transfers on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • 3% of the amount of the Balance Transfer, with a $15 minimum and no maximum
  • Fees for Cash Advances
    • 3% of the amount of the Cash Advance, with a $15 minimum and a $50 maximum
  • Return Payment
    • Up to $38
  • Late Payment
    • Up to $38
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Intro APR period
Cons:
  • Foreign Transaction Fee

Features

Classic
Visa
Contactless
  • 0% Intro APR
  • No Annual Fee
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Bonus points
  • Purchase Protection
  • Auto Rental Insurance
  • 24/7 Travel Assistant
  • Good Credit
  • Excellent Credit

About the issuer

UMB Bank
UMB Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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    Regular APR
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    Earn 1% cash back rewards on payments made to your First Access Credit Card.
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See Another Credit Cards in the Bank

UMB Bank Direct Cash® Visa® Signature is an option for those, who need Classic features. With an APR of 17.24% - 25.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With UMB Bank Direct Cash® Visa® Signature you will get such features as 0% Intro APR, No Annual Fee, Payment Flexibility, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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