The UMB Bank is a business credit card from UMB Bank. The annual fee is $0. The ongoing APR is 15.49% after a 0.00% introductory rate for 9 months. Signup bonus: 20,000 bonus points equal to $200 in account credit when you spend $2,000 in the first 90 days. Rewards: Earn 2x points in your top two spending categories each month - automatically; 1x points on all other purchases.. Funding speed: Applications are typically processed within 2-3 business days.. 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%).