BankIowa Simply Rewards® Visa® Signature Credit Card Good Credit — UMB Bank is a personal credit card from UMB Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 17.49% to 25.49% variable, based on creditworthiness (terms accurate as of April 1, 2026) after a 0.00% intro APR on purchases for 12 months; 0.00% intro APR on balance transfers for the first 12 billing cycles (transfers within 60 days of account opening) introductory rate for 12 months. Approval typically requires a credit score of 680 or higher. Rewards: 3X points per dollar at grocery stores, gas stations, discount stores, restaurants and fast food; 1 point per dollar on all other purchases; no rewards cap; points available up to 5 years. Cash back: 1.5%. Typical credit limit: $1,000-$20,000. Loan terms: Revolving credit card; due date at least 21 days after each billing cycle closes; no interest on purchases if the entire balance is paid by the due date. This product reports activity to your personal credit report.