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Credit Card

Simply Rewards™ Visa®

Earn more rewards for all your everyday purchases1
  • 3x the points
  • 1x the points
We Make It Easy to Redeem
Access your account to see how many points you’ve earned through online banking or your monthly statement at cardcenterdirect.com.

Redeem your reward points for Merchandise, Account Credits, Gift Cards, Travel, Entertainment and more.1

Additional Visa Benefits

  • Competitive rates
  • Competitive variable APR (annual percentage rate) for purchases, balance transfers, and cash advances
  • Balance transfer fee is three percent (3%) of the amount of the balance transferred, with a $15 minimum and no maximum

Fraud Protection

Visa’s Zero Liability Policy means you won’t be held responsible for any unauthorized charges made with your card or account information.2


Includes auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more.3

Online Credit Card Control

View transactions, pay bills and track expenses. Includes eStatements with 18 months of history.

Cardholder Self-Service Contacts

Cards issued by UMB Bank, n.a.
1 Cardholders 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™ rules for details.

2 Visa'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, limitations and other details, please consult your issuer.

3 See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.
As a CDFI and locally-owned bank, we are always exploring ways to better help our community. Check back for more credit card options in the future!