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UMB Bank Credit Cards

UMB Bank issues credit card products to a wide range of clients. Browse UMB Bank credit card offers below.

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Showing 4 Cards

Date Reviewed: January 03, 2020

UMB Direct Cash® Visa® Signature Credit Card

UMB Direct Cash® Visa® Signature Credit Card
  • Regular Purchase APR 12.99% to 24.99% APR variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.99% to 24.99% APR variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • 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
  • Introductory APR of 0% on balance transfers made within 60 days of account opening, for 12 billing cycles after account approval
Rates & Fees
  • Regular Purchase APR: 12.99% to 24.99% APR 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: 12.99% to 24.99% APR 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: 24.99% 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
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: December 30, 2019

UMB Simply Rewards Visa® Credit Card

UMB Simply Rewards Visa® Credit Card
  • Regular Purchase APR 11.99% to 19.99% variable based on creditworthiness the Prime Rate
  • Balance Transfer APR 11.99% to 19.99% variable based on creditworthiness the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Visa
Best Benefits
  • 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
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 11.99% to 19.99% variable based on creditworthiness the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 11.99% to 19.99% variable based on creditworthiness the Prime Rate
  • Balance Transfer Transaction Fee: Either $15 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 3% of the amount of each cash advance, whichever is greater
  • 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
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: December 30, 2019

Farm Sanctuary Visa® Credit Card

Farm Sanctuary Visa® Credit Card
  • Regular Purchase APR 13.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Visa
Best Benefits
  • A donation of $50 is made to Farm Sanctuary after each credit card account is approved and used within the first 90 days of approval
  • Each time the card is used, 0.5% of the amount of each purchase is donated to Farm Sanctuary
  • No annual fee
  • 0% introductory APR on balance transfers for 12 months, when balance transfer is completed within 90 days of opening an account
Rates & Fees
  • Regular Purchase APR: 13.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% APR for 12 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 13.99% to 17.99% 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: 24.99% 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
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: October 01, 2019

DC Power Visa®

DC Power Visa®
  • Regular Purchase APR 14.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 2,500 points and $50 Fandango promo code after spending $500 within the first 90 days
  • 3X points on entertainment
  • 2X points on dining & gas
  • 1X points on everything else
  • Customizable card design
  • No annual fee
  • 10% off purchases at shopdcentertainment.com
  • 10% off purchases at shopdcentertainment.com
  • 20% off WB Studio Tour Hollywood and merchandise
Rates & Fees
  • Regular Purchase APR: 14.24% to 24.24% 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: 14.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: $15 or 3% of the amount of each balance transfer, whichever is greater
  • Cash Advance APR: 26.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: $15 or 3% of the amount of each cash advance, whichever is greater
  • 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
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

About UMB Bank

UMB is an American financial service and holding company with its headquarters in Kansas City, Missouri. The UMB name is short for United Missouri Bancshares, the name the company adopted in 1971.

UMB Bank dates to 1013 and City Center Bank in Kansas City, MO. In 1934, the bank changed its name to City National Bank and Trust Company and began the process of acquiring other banks over the following decades.  By 1969, Missouri Bancshares was established as a holding company, with the current name adopted two years later.

Today, UMB is the 79th largest bank in the United States by asset size, with over $26 billion in total assets as of 2019. The bank offers banking services and products, credit cards, and wealth management in eight states across the Central, Midwest, and Southwest United States.

Branch Locations

UMB currently operates approximately 115 branches across the following eight states:

  • Arizona
  • Colorado
  • Illinois
  • Kansas
  • Missouri
  • Nebraska
  • Oklahoma
  • Texas

These locations include over 50 branches in Missouri (including the headquarters in Kansas City), over 20 branches in Kansas, and close to a dozen branches in both Colorado and Arizona.

For a complete list of UMB Bank locations, please visit the bank’s locations page.

UMB Bank Credit Cards

UMB Bank issues several credit cards, including the DC Power Visa Card. The bank issues credit cards for other banks and third parties, with the DC Power Card and the Farm Sanctuary Visa charity credit card being the most prominent examples.

The bank issues its own credit cards as well, with two rewards cards bearing the UMB name.

All UMB credit cards are Visa products, meaning they offer Zero Fraud Liability, Visa Roadside Assistance, cardmember assistance services, and more.

FAQs About UMB Bank

Here are answers to common questions about UMB Bank:

What is UMB’s routing number?

  • The routing number for UMB Bank is 101000695.

How can I contact UMB customer service?

  • To reach a UMB representative, call toll-free at 1-800-860-4862.

Is UMB the same as Morgan Stanley?

  • Morgan Stanley uses UMB to process checks through the Federal Reserve. For this reason, Morgan Stanley may see UMB Bank on their checks or deposits as the bank of record. They are not the same company, however.

What does UMB mean?

  • UMB stands for United Missouri Bank or United Missouri Bancshares.