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UMB Simply Rewards Visa® Credit Card card

UMB Simply Rewards Visa® Credit Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Good / Fair
Card network
Visa
Intro purchase APR
0% for 12 months from account opening date
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The UMB Simply Rewards Visa® Credit Card makes it simple to earn points from everyday purchases – cardholders can easily earn up to 3X points for every dollar they spend on qualifying purchases with their UMB credit card, simply by swiping at the register, or using it for online purchases. Issued by UMB Bank, this versatile card is perfect for those who are planning to make a large purchase with their card, or who are looking for a way to pay down an existing balance.

Our review of the UMB Simply Rewards Visa® Credit Card

If you’re in search of a rewards credit card that packs a punch, look no further than the UMB Simply Rewards Visa® Credit Card. Not only does this card offer a generous introductory APR and bonus, but it also comes with a $0 annual fee. With points earned on everyday purchases, this card is truly rewarding to use. Here’s why:

How to Earn Simply Rewards Points

Earning points with the UMB Simply Rewards Visa® Credit Card is simple. Cardholders earn 3X points for every dollar spent at gas stations, grocery stores, discount stores, restaurants, and fast food locations. Additionally, 1 point is earned per dollar spent on all other qualifying purchases.

How to Redeem Simply Rewards Points

Redeeming points with the UMB Simply Rewards Visa® Credit Card is easy and rewarding. Points can be redeemed for cash back rewards, gift cards, merchandise, prepaid cards, travel discounts, experiences, live concerts and sports events, theme park tickets, charitable donations, and green products. Rewards points expire after five years, so make sure to plan accordingly.

Simply Rewards Visa® Card Introductory Bonuses

New cardholders can take advantage of special introductory bonuses with the UMB Simply Rewards Visa® Credit Card. By spending $1,500 within 90 days of opening an account, cardholders can earn a bonus of 15,000 rewards points. Additionally, there is an introductory APR of 0.00% for 12 billing cycles on purchases and balance transfers.

Visa Cardholder Protections

In addition to the rewards offered by UMB Bank, the Simply Rewards Visa® Credit Card also provides cardholder protections from Visa®. These include $0 Liability Protection for unauthorized purchases, Auto Rental Insurance, Visa’s Zero Fraud Liability Protection, and Travel Assistance Services.

Should You Apply for the Simply Rewards Visa® Credit Card?

If you’re looking for a rewards credit card with a generous grace period for purchases and the ability to transfer existing balances, the UMB Simply Rewards Visa® Credit Card is a great option. With a high points earning rate and a variety of redemption options, this card is hard to resist. Plus, with no annual fee, competitive interest rates, and an introductory bonus, the Simply Rewards Visa Credit Card is a rewarding choice for all cardholders. Apply today and start reaping the benefits!

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • 3X points for every $1 spent on gas, groceries, discount stores, restaurants, and fast food
  • Earn 1X point for every $1 spent on all other qualifying purchases
  • 0% APR on purchases and balance transfers for 12 months
  • No annual fee

Who this card may suit

  • You're willing and able to spend $1,500 in the first 90 days of opening an account to take advantage of 15,000 bonus points
  • You would utilize a generous introductory APR of 0% for balance transfers and 0% for all purchases for the first 12 billing cycles after opening a card account
  • You want a card that rewards everyday spending with 3X points at gas stations, grocery stores, restaurants and more
  • You want a card with no annual fee

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Intro Purchase APR0% for 12 months from account opening date
Regular Purchase APR16.24% to 24.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR0% for 12 months on transfers made within 60 days from account opening date
Balance Transfer APR16.24% to 24.24% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction FeeEither $15 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR29.24% variable based on the Prime Rate
Cash Advance Transaction FeeEither $15 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee2% of the transaction amount in U.S. dollars
Late Payment Penalty FeeUp 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: Good Credit Fair Credit.

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UMB Simply Rewards Visa® Credit Card

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