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How to Apply to UMB Visa Credit Card

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How to Apply to UMB Visa Credit Card Overall rating: ★★★★☆ 4 based on 3 reviews
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With its fantastic cash back rewards system and 0% introductory APR in the first 12 months after opening an account, the UMB Visa Credit Card is the perfect choice for a large variety of customers. On this page, we will offer you step-by-step guidance for the application process.


If you are decided to get a UMB Visa Credit Card, please make sure before you start filling in the online application form that you meet the following requirements/conditions of eligibility:

  • You should be at least 18 years old
  • You should be an American citizen with a valid social security number
  • You should have a valid mailing and email address, as well as a valid phone number
  • You must be willing to disclose information regarding your current financial situation (housing payments, income)

How to Apply

If you decided to apply for a UMB Visa Credit Card, here is what you need to do in order to successfully fill in and submit an online application form:

Step 1: Navigate to the credit card’s homepage and click on the ‘Apply Now’ button to open the online application form.


Step 2: Before filling in the application, read carefully the Privacy Policy and the Pricing Terms.


Step 3: Provide general information about yourself, including: first name, middle initial (optional), last name, suffix (optional), date of birth, social security number, mother’s maiden name, email address, physical address, city, state, ZIP code (state also whether your mailing address is different from this one), length at residence, primary phone and, optionally, alternate phone.


Step 4:  Introduce your financial information, including: employment status, position (optional), employer name, length at employment (optionally also details about your previous employment), work phone (optional), residence status, monthly housing payment and gross annual salary.


Step 5: Choose whether you want or not to add another authorized user.


Step 6:  Read carefully the Terms and Conditions associated to this credit card and, should you agree with them, check the appropriate box and click on the ‘Submit’ button.



Q: Is the UMB Bank safe enough?

UMB Bank was founded in 1913 in Kansas City, Missouri and it has grown into a huge company which offers complete banking and payment solutions. Considering the fact that UMB is ranked as one of America's Best Banks and it has branches all over the U.S. including Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska, Arizona and Texas, the bank is completely trustworthy. Its 2,787 full-time employees in 112 offices in various states have the knowledge of their customers’ needs and showed a very good condition when it comes to safety so the bank earned 4 out of 5 stars.

Q: I am asked to sign the Terms and Conditions agreement online. How is that possible?

Yes, it is possible since for these kinds of issues, there is Applicant Signature option. This means that once you click on “I Agree” or check the box indicating that you accept the terms given in the previous text, you have automatically signed that document. It is not the actual sign that you write down, but the aim is the same. Clicking on the 'Accept & Submit' field constitutes your electronic signature and it has the same value as your handwritten signature.

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