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UMB Simply Rewards™ Visa Credit Card Review

UMB Simply Rewards™ Visa Credit Card
Card Category: Consumer
Card Type: Unsecured
Credit Needed: Excellent / Good Credit
Card Rating:
Based in Kansas city, UMB Financial corporation is an example of overcoming adversity in the best convention of American free venture. From a retail facade bank in Kansas City, Mo., with first-day stores of $1,100 in 1913, it has developed to wind up distinctly an enhanced money related administrations holding organization with multi-billion dollar resources.

UMB Credit card issued by holding company UMP Financial corporation and lead Bank UMB Bank. About UMB Financial corporation, It is diversified financial services holding company, founded in 1913, aligned into strategic business segments to best serve our customers and achieve long-term growth opportunities.

With their utmost online Banking services, paperless statements, UMB Mobile banking services, they are great, convenient and easy to use Banking services. UMB visa credit card is known for its great deal and rewards and hence also known as UMB Simply Rewards visa credit card.

UMB Simply Rewards Visa Credit Card Details


  • •Earn 3X points per dollar spent at: Gas Stations, Grocery Stores, Discount Stores, Restaurants and Fast Food.71
  • Earn 1 point per dollar spent on all other purchases.71
  • Easy online credit card control.71


Max. Rewards: See terms
Sign-up Bonus: See terms


Purchase Intro APR: n/a71
Purchase Regular APR: 12.99% - 18.99%71
Cash Advance Fee: 3%
($15 min, $50 max)71
Cash Advance Regular APR: 25.99%71
Balance Transfer Intro APR: 0%
(12 billing cycles)71
Balance Transfer Regular APR: 12.99% - 18.99%71
Balance Transfer Fee: 3%71
Annual Fee: None71

UMB Simply Rewards Visa Credit Card Benefits

Presently, as we do know the utilization of this card, let's now talk how about and what are those projects and how it is going to beneficial for any normal users of UMB Visa credit card. This card comes with a lot of great deals and benefits apart from any normal visa credit card holder get to like 'Zero liability for fraudless charges', 'Emergency card replacement', 'Emergency cash disbursement', 'Visa signature luxury collections', 'Travel accident insurance' and so forth.

Let's get to know few noteworthy of them:

1. Procure 2 focuses per dollar on gas, goods, and at rebate stores.
2. Gain 1 point for every dollar wherever else and on adjust transfers.
3. Gain 1,000 extra focuses with your first buy made inside 60 days of record opening.
4. Customize your card with a photograph to make it particularly yours.
5. Extortion security implies you aren't subject for unapproved buys with your card.
6. Acquire 3X focuses per dollar spent1 at Corner stores, Supermarkets, Markdown Stores, Eateries and Fast Food.
7. Earn 1point for every Dollar spent on all other purchase.
8. 0$ Liability protection.
9. 0% introductory APR for 1st 12 Billing cycles.

Win energizing prizes when you utilize your UMB Visa* card for regular buys and your month to month repeating charge installments - even little buys, for example, foodstuffs, some groceries or a travel pass can gain you enormous rewards after some time. You win one point for each $1 went through with your UMB Visa credit card for every dollar you spend.

Apart from all the other features of UMB visa credit card, you would get to enjoy all other visa cardholder benefits like Travel and emergency assistance, Auto rental damage collision waiver, Lost luggage reimbursement, concierge service, roadside dispatch, Travel accident insurance and so forth.

UMB Simply Rewards Visa Credit Card Drawbacks

Apart from several benefits like 0% liability protection, 0% introductory APR for 1st 12 Billing cycles and several other services like Online Banking, mobile Banking, their easy to way method and convenient to use, It has also few drawbacks which are as:

1. APR for purchases: 12.99%-18.99% based on your credit, which may vary based on the market prime rate.
2. APR for cash advances: 25.99% APR for cash advances which may also vary based on the market prime rate.
3. APR for Balance transfers: After the initial 12 charging cycles, and for Balance Exchanges made over 60 days from record opening, 12.99% to 18.99% (based on your credit value) if your Balance Transfer is dealt with as a Purchase, or 25.00% if your Balance Transfer is dealt with as a Cash Advance. This APRs will shift with the market in view of the Prime Rate.
4. Paying Interest: Due date is no less than 21 days after the end of each charging cycle. They don't charge you interest on Purchases in the event that you pay your whole adjust by the due date each month. Generally, They will start charging interest on Cash Advances and Balance transfers on the transaction date.
5. Balance transfer: Three percent (3%) of the measure of the Balance Transfer, with a $15 least and no most extreme.
6. Cash Advance: Three percent (3%) of the measure of the Cash Advance, with a $15 least and a $50 greatest.
7. Foreign Transaction: Two percent (2%) of the U. S. dollar measure of each Cash Advance or Purchase.
8. Overdraft Advance: Three percent (3%) of the measure of the Overdraft Advance, with a $10 least, what's more, a $25 most extreme.
9. Also, there are also lot of penalty fees, like late payment up to 35$, and returned payment up to 35$

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