UMB Simply Rewards Visa Credit Card

UMB Bank

Key facts

Annual fee$0
RewardsPoints
Everything else earns1x points
Minimum credit scoreNot stated

The issuer states no minimum credit score for this card.

Earn rates

Category	Rate	Cap
Gas	3x points	No cap stated
Groceries	3x points	No cap stated
Dining	3x points	No cap stated
Everything else	1x points	No cap stated

Signup bonus

15,000 points after $1,500 of spend in the first 3 months.

Applying

Foreign transaction fee: 2%

Issuer's page for this card

Notes

3 points per $1 at gas stations, grocery stores, discount stores, restaurants and fast food, 1 point on everything else; no promotions to activate and no cap on points. 15,000 bonus points after $1,500 in net purchases within 90 days. Points expire after 5 years and redeem for statement credits, gift cards, merchandise, event tickets and travel; the page states no value per point. 0% intro purchase APR for 12 months, then a variable 15.49% to 23.49% APR; 0% intro balance transfer APR for the first 12 billing cycles on balances transferred within 60 days, then 15.49% to 23.49% (28.49% if treated as a cash advance); cash advance APR 28.49%. Balance transfer fee 3% ($15 minimum); cash advance fee 3% ($15 minimum, $50 maximum). No annual fee. Foreign transaction fee 2%.

Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with UMB Bank; the card name is its owner's trademark.

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