Picture of the UMB Visa Credit Card front

UMB Visa Credit Card Reviews & Info

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Contact Information

  • Telephone: 800.821.5184
  • E-Mail: No email address available
  • Mailing Address: P.O. Box 419734, Kansas City, Missouri 64141-6734.

The UMB Visa Credit Card is issued by the UMB Bank and provides its holders a generous cash back rewards system (1.25% cash back on monthly purchases up to $5,000 and 1.5% cash back on monthly purchases over $5,000) as well as 0% APR in the first 12 months after opening an account.

Card Information

Rewards

1.25% cash back on monthly purchases up to $5,000.
1.5% cash back on monthly purchases over $5,000.
Travel assistance services, auto rental insurance, and more.

Signup Bonus

0% introductory APR on balance transfers for the first 12 months

Annual Fee

None

Cash Advance APR

25.00% variable according to the Prime Rate

Late Payment Fee

Up to $35

Purchases APR

13.24% to 22.24% based on your creditworthiness

Pros and Cons

Pros

+ Cash rewards
+ 0% introductory APR
+ No annual fee

Cons

- High interest rates after the first year
- High late payment fees
- No signup bonus besides the 0% APR

3 Reviews

UMB Visa Credit Card Overall rating: ★★★★☆ 4 based on 3 reviews
5 1

good choice

★★★★☆
4 5 1
I truly enjoyed this card, especially in the first year after I opened an account with the introductory zero interest option. Fantastic! Too bad now I need to pay interest.

that's the best option you can get

★★★★★
5 5 1
My favorite bank and card ever. The cash back rewards system is amazing and I also truly enjoyed the 0% introductory APR in the first year after I opened an account.

I've seen better

★★★☆☆
3 5 1
Not a bad card overall, but I had cards with much better cash back in the past. Also the interest is quite high after the introductory period
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