Simply RewardsTM Visa® Credit Card

Get rewarded for your purchases, enjoy a low Annual Percentage Yield (APR), and take advantage of worldwide purchasing power.1 All the things you need in a credit card, and more!

Earn Rewards

Earn 3x the points:

  • Grocery Stores
  • Discount Stores
  • Gas Stations
  • Restaurants and Fast Food

Earn 1x the points:

  • All other Purchases

Redeem Your Points

Access your account to see how many points you've earned through Online Banking or your monthly statement at Redeem your reward points for account credits, gift cards, travel, entertainment, and more.1

Additional Benefits

  • Fraud Protection with Visa's Zero Liability Policy. You won't be held responsible for any unauthorized charges made with your card or account information.2
  • Additional Protection, such as auto rental coverage, emergency cash, travel/emergency assistance, warranty manager, and more.3
  • Online Credit Control. View transactions, pay bills, track expenses, and view up to 18 months of history.

Apply today!

Subject to credit approval.

Cardholder Self-Service Contacts

Online Account Access -

Rewards Points Redemption -

Customer Service - 1.888.421.2273

Cards issued by UMB Bank, n.a.

1Cardholders earn 3 points per dollar on purchases with MCC codes: 5411(Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards for details.
2Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitation and other details, please consult your issuer.
3See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.

Line of Credit



Line of Credit

See how it can help you avoid having a transaction denied or returned.


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