Visa Signature® Business 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 (quote based on the Prime Rate currently in effect; varies with the market based on the Prime Rate) after a 0.00% introductory rate for 9 months. Signup bonus: Earn 20,000 Bonus Rewards Points when you spend $2,000 within the first 90 days. Rewards: Earn 2X Points per dollar on purchases in your top two spending categories each month, and 1 Point per dollar on all other purchases. Loan terms: Minimum Payment is either the entire New Balance or 5% of the New Balance with a $50 minimum; payment in full required if the Company Credit Limit is greater than $25,000 (no revolving option above $25,000); due date 24-30 days after the close of each billing cycle. 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%).