Business VISA Signature® Rewards Credit Card — UMB Bank is a business credit card from UMB Bank. The annual fee is $0. The ongoing APR is 17.49% variable APR after the 9-month intro period (Prime Rate + 10.74%; Prime never less than 5.25%); costs accurate as of January 1, 2026 after a 0% introductory APR on purchases for the first 9 months introductory rate for 9 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: 20,000 bonus points (equal to $200 in account credit) after $2,000 in net purchases within the first 90 days of account opening. Rewards: 2X points per dollar on purchases in the top two merchant categories each month; 1X point per dollar everywhere else Visa is accepted; redeem for cash back, gift cards, merchandise, travel, event tickets and more. Typical credit limit: $5,000 - $50,000. Loan terms: Due date 24-30 days after the close of each billing cycle; minimum payment is the entire New Balance or 5% of the New Balance with a $50 minimum; payment in full is required (no revolving option) when the Company Credit Limit is greater than $25,000; balance by average daily balance (including new purchases). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).