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Be Rewarded for Building Your Credit

If you’re going to use a credit card, shouldn’t you be rewarded for it? With the VISA® Credit Card, you can make all the purchases you need while building your credit history AND earning valuable points.

Simply Rewards™: Earn Points Your Way

Rack up points at the places you shop the most1:

3x the points

  • GroceriesGrocery Stores
  • CartDiscount Stores
  • GasGas Stations
  • RestaurantsRestaurants

1x the points

  • WalletAll other purchases

Redeeming Your Points is Easy!

You can access your account to check on our rewards points through 1) your online banking account, or 2) by going to and looking at your monthly statement.

Your points can be redeemed for account credits, gift cards, travel, entertainment and more.1

Additional VISA Benefits

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


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

Cardholder Self-Service Contacts

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 Rules 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, limitations 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.