Simply Rewards™ Visa® Credit Card

Your life. Your choice.

Earn more rewards for all your everyday purchases.1

Earn 3x the points.

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

Earn 1x the points.

  • All other Purchases

Apply Now

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

Redeem your rewards points for Account Credits, Gifts Cards, Travel, Entertainment and more.1

Additional Visa Benefits2

  • 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.3
  • Others: Including auto rental coverage, emergency cash, travel/emergency assistance, waranty manager and more.

Learn more about our competitive rates and fees.

Mobile Pays Supported

Apple Pay Samsung Pay Fitbit Pay Garmin Pay

Online Credit Card Control

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

Apply Online Today for a Simply Rewards™ Visa® Credit Card


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Cardholder Self-Service Contacts

Cards issued by UMB Bank, n.a.

1. Cardholders earn three (3) points per dollars on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn one (1) point per dollar on all other purchases. See Simply Rewards Rules for details.

2. If you are approved with credit line that is equal to or greater than $5,000, a Visa Signature account will be issued, and if the credit line is less than $5,000, a Visa Platinum account will be issued. The benefits of Visa Platinum accounts differ from Visa Signature accounts. See Guide to Benefits and Cardholder Agreement that accompany your card for details. Certain terms and conditions apply.

3. 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 unathorized use. For specific restrictions, limitations and other details, please consult your issuer.

See card application for important rate, fee, and program information.

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Committed to strengthening local communities and providing a foundation of support for our customers. Building relationships for today and tomorrow.

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