Simply Rewards Visa® Credit Card Review: Rewards, Benefits
Simply Rewards Visa® from UMB Bank — all information about the credit card.
- 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.
- 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
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UMB Bank Simply Rewards Visa® Rewards Calculator
You can boost your total rewards by getting UMB Bank welcome bonus. To do that spend more on all purchases. To maximize all other rewards follow the tips below:
- Spend more on Gas
- Redeem most of your points for Travel purchases at Hotels, Airlines
- Pay off your balance in full each month.
- Make a large purchases plan.
Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with UMB Bank Simply Rewards Visa®.
- Gas
- Groceries
- Dining
- All other purchases
All benefits
- Points
- 3x At gas stations, grocery stores, discount stores, restaurants and fast food locations.
- 1x On all other purchases.
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
Pros & Cons
- No Annual Fee
- Intro APR period
- Foreign Transaction Fee
Features
- 0% Intro APR
- No Annual Fee
- Payment Flexibility
- Fraud Protection
- Rewards
- Bonus points
- Purchase Protection
- Fair Credit
- Good Credit
About the issuer
Compare with other cards
- NoneAnnual Fee
- NoneRegular APR
- 2x - 7x:Points on restaurants.
- NonePurchase Intro APR
- NoneAnnual Fee
- 19.99% - 29.99%Regular APR
- 5%Cash Back on hotels and rental cars booked through Capital One Travel.
- 0% Introductory APR for the first 15 months that your account is openPurchase Intro APR
- $39Annual Fee
- 29.99%Regular APR
- 1.5%Cash Back on every purchase.
- NonePurchase Intro APR
See Another Credit Cards in the Bank
UMB Bank Simply Rewards Visa® 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 Fair to Good (580-739) credit score. With UMB Bank Simply Rewards Visa® 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.