UMB Simply Rewards Visa Credit Card
UMB Simply Rewards Visa Credit Card
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 12 months, 17.24% - 25.24% (V) APR after that
Balance Transfer
0% intro APR for 12 months, 17.24% - 25.24% (V) APR after that
Balance Transfer Fee
Rewards
Earn 15,000 bonus points when you make $1,500 in purchases with your card within the first 90 days of account opening.
Earn 3 points per dollar on gas, groceries, discount stores, restaurants and fast food.
Earn 1 point per dollar everywhere else.
Redeem for account credits, gift cards, merchandise, travel and more.
Points Expire after 5 years.
UMB Simply Rewards Visa Credit Card's Additional Info
0% Intro APR on balances transferred within 60 days from account opening.
View your account balance, review transactions and make your Visa payment online with Online Banking.
Visa benefits like travel assistance services, auto rental insurance and more.
cash advance fee | 3% (min $15) |
cash advance APR | 30.24% (V) |
foreign transaction fee | 2% |
smart chip | Yes |
max late fee | $38 |
max overlimit fee | $0 |
max penalty APR | None |
grace period | 21 days |
UMB Simply Rewards Visa Credit Card Pros & Cons
No membership fees
0% intro APR on purchases
0% intro APR on balance transfers
High rewards rate
Balance transfer fee
High regular APR
Foreign fee
Requires good/excellent credit
Compare The UMB Simply Rewards Visa Credit Card vs. Popular Alternatives
annual fee$0 | annual fee$0 |
Purchase Intro APR0% for 12 months | Purchase Intro APR0% for 15 months |
transfer intro apr0% for 12 months|Transfer Fee: 3% (min $15) | transfer intro apr0% for 15 months|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer |
Regular APR17.24% - 25.24% (V) | Regular APR18.74% - 28.74% (V) |
rewards rate | rewards rate |
bonus offer | bonus offer |
Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about UMB Simply Rewards Visa Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
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How long does it take to get approved for the UMB Visa Platinum Rewards card?
It can take as little as a minute to get approved for the UMB Simply Rewards Visa Credit Card. If you don't get instantly approved, it usually takes 7-10 business days to receive a decision on your application.
Keep in mind that you can check the status of your application by calling (800) 821-5184.
Ultimately, you can expect to have your UMB Simply Rewards Visa Credit Card in hand in up to 10 business days after approval.
How much are UMB Simply Rewards points worth?
UMB Simply Rewards points are worth 0.88 cents per point, on average. The value of UMB Simply Rewards points depends on how they are redeemed. For example, points from UMB Simply Rewards are worth up to 1 cent each when redeemed for gift cards, cash back or miscellaneous.
UMB Simply Rewards Point Values
Redemption Method | Average Point Value | Value of 1,000 Points |
... | 0.51 cents | $5.10 |
UMB Simply Rewards Visa Credit Card Reviews
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