Credit Cards

Start earning rewards on your everyday purchases

The Simply Rewards® VISA Signature® Credit Card helps you save on purchases you are already making. Receive 3x the points at groceries and superstores that can be redeemed for statement credits, gift cards, merchandise, event tickets, travel, and more1.

Additional Visa Benefits

  • Fraud Protection: With Visa's Zero Liability Policy you won't be held responsible for unauthorized charges made with your card or account information2
  • Safeguards & Assistance: Including auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more3
  • Online Credit Card Control: View transactions, pay bills and track expenses; includes e-Statements with 18 months of history

How the Points Work

  • 3x the points: Grocery Stores, Discount Stores, Gas Stations, Restaurants & Fast Food
  • 1x the points: All other purchases

Redeeming your points is simple: simply access your account to see how many points you've earned through online banking or your monthly statement at

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Online Account Access & Rewards Points Redemption:
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Customer Service – 1.800.821.5184
Lost/Stolen Credit Card – 1.800.821.5184
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.