UMB Direct Cash® Visa® Signature Credit Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Regular purchase APR
- 17.24% to 29.24% variable based on creditworthiness and the Prime Rate
At a glance
The UMB Direct Cash® Visa® Signature Credit Card is a simple cash back rewards card that is designed to put the money you spend back in your pocket. It’s easy to use, and cash back can be earned on every single qualifying purchase you make – there is no limit to how much cash back you can earn, and your rewards will never expire. This card is easy to use and boasts a middling APR along with no annual fee and a special introductory APR for balance transfers.
Our review of the UMB Direct Cash® Visa® Signature Credit Card
Are you looking for a flexible cash back credit card that makes earning rewards easy? Look no further than the UMB Direct Cash Visa Signature Credit Card from UMB Bank. With a generous introductory APR on balance transfers and a straightforward rewards program, this card is a powerful tool for anyone looking to save money while managing their existing debt.
How to Earn Cash Back with the UMB Direct Cash Visa Signature Card
Earning cash back with the UMB Direct Cash Visa Signature Card is simple. All purchases earn 1.25% cash back on qualifying buys up to $5,000 on each monthly statement. Plus, cardholders who spend more than $5,000 in a month will receive 1.5% cash back on all qualifying purchases. Cash back is automatically credited to your account each quarter as a statement credit, with no minimum redemption required.
What are Non-Qualifying Purchases?
While almost any purchase will earn cash back rewards, there are a few exceptions. Convenience checks, balance transfers, cash advances, returns, finance charges, credit card interest fees, and credit card fees do not qualify for cash back rewards.
Accessibility and Benefits
The UMB Direct Cash Visa Signature Credit Card is easy to use and comes with no extra fees. Cardholders can easily access their account information online and enjoy tap-to-pay features and EMV chip protection for added security. Plus, cardholders can take advantage of Visa benefits like $0 Liability Protection, travel assistance services, and auto rental insurance.
Should You Apply for the UMB Direct Cash® Visa® Signature Credit Card?
When comparing the UMB Direct Cash Visa Signature Card to other cash back credit cards, it’s important to consider your personal preferences and financial goals. While there are other cards with higher cash back earning rates, the UMB Direct Cash Card stands out for its simplicity and ease of use. With no annual fee, a generous introductory APR on balance transfers, and a straightforward rewards program, this card is a great option for those looking to save money and pay down existing debt.
In conclusion, the UMB Direct Cash Visa Signature Credit Card is a solid choice for anyone seeking a cash back rewards card with minimal drawbacks. With a simple rewards program, no annual fee, and a generous introductory APR on balance transfers, this card is a great option for those looking to save money and pay down debt.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 1.25% cash back on monthly purchases up to $5,000
- Earn 1.5% cash back on monthly purchases in excess of $5,000
- No annual fee
Who this card may suit
- You want a credit card that does not charge an annual feel
- You would like to earn cash back from all purchases, large and smal
- You will take advantage of an introductory balance transfer APR of 0% for the first 12 months of account use to save money while paying down existing debt
- You value your privacy and added perks like $0 Liability from unauthorized purchases
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 17.24% to 29.24% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 12 months on transfers made within 60 days from account opening date |
| Balance Transfer APR | 17.24% to 29.24% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $15 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.24% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $15 or 3% of the amount of each cash advance, whichever is greater ($50 maximum) |
| Foreign Transaction Fee | 2% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $38 |
| Return Payment Penalty Fee | Up to $38 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
Apply Now for UMB Direct Cash® Visa® Signature Credit Card (opens in a new tab)View issuer terms for UMB Direct Cash® Visa® Signature Credit Card (opens in a new tab)
UMB Direct Cash® Visa® Signature Credit Card
Apply Now for UMB Direct Cash® Visa® Signature Credit Card (opens in a new tab)You will leave this site for the issuer’s page. Confirm current terms there.
Similar cards
Chase Freedom Unlimited®
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth…
- Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards…
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Intro APR
- 0% for 15 months from account opening date
Discover it® Chrome Gas & Restaurants
- 2% cash back at gas stations and restaurants on up to $1,000 per quarter
- 1% cash back on all other purchases
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Intro APR
- 0% for 15 months from date of account opening
Blue Cash Preferred® Card from American Express
- Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Annual fee
- $0 for the first year. Then $95
- Recommended credit
- Excellent / Good
- Intro APR
- 0% for 12 months from account opening date