USES

Simply Rewards Visa® Credit Card Review: Rewards, Benefits

Simply Rewards Visa® from UMB Bank — all information about the credit card.

Updated December 07, 2023
Advertiser Disclosure Our Methodology
UMB Bank Simply Rewards Visa®
Apply now
Our Rating:
4.94 out of 5
scorer
Recommended 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.
  • 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

We recommend more cards

Quicksilver Capital One
Capital One Quicksilver Cash Rewards Credit Card
None
Annual Fee
19.99% - 29.99%
Regular APR
5%
Cash Back on hotels and rental cars booked through Capital One Travel.
Learn more
on our partner’s site
Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
1.5%
Cash Back on payments.
Apply now
On Upgrade‘s website
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
3%
Cash Back on Home, Auto and Health categories.
Apply now
On Upgrade‘s website
Apply now

UMB Bank Simply Rewards Visa® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3X
Gas
$
3X
Groceries
$
3X
Dining
$
1X
All other purchases
$
Have you already recieved the UMB Bank intro bonus?
How would you like to redeem points?
Calculate
Show less details

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
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
  • Fair Credit
  • Good 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

Compare with other cards

Divvy Cross River Bank
Divvy
Cross River Bank
4.04 out of 5
Recommended credit score
score
Fair to Excellent (580-799)
  • None
    Annual Fee
  • None
    Regular APR
  • 2x - 7x:
    Points on restaurants.
  • None
    Purchase Intro APR
Apply now
On Cross River Bank‘s site
Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
SavorOne Rewards Capital One
Capital One SavorOne Cash Rewards Credit Card
4.27 out of 5
Recommended credit score
score
Excellent (740-799)
  • None
    Annual 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 open
    Purchase Intro APR
Learn more
on our partner’s site
Fair credit
QuicksilverOne Capital One
Capital One QuicksilverOne Cash Rewards Credit Card
3.6 out of 5
Recommended credit score
score
Fair to Good (580-739)
  • $39
    Annual Fee
  • 29.99%
    Regular APR
  • 1.5%
    Cash Back on every purchase.
  • None
    Purchase Intro APR
Learn more
on our partner’s site

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.

Another popular cards for you
Capital One® Quicksilver Secured Cash Rewards
Capital One Quicksilver Secured Cash Rewards Credit Card
3.54 out of 5
Recommended credit score
scorer
No Credit History
  • None
    Annual Fee
  • 29.99%
    Regular APR
  • 5%
    Cash Back on hotel and rental car purchases through Capital One Travel.
  • None
    Purchase Intro APR
Learn more
on our partner’s site