UMB 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 15.49% variable (page: "quote based on the Prime Rate currently in effect"; page read 2026-10-13); cash advance APR 24.49% variable after a 0.00% introductory APR on purchases for the first 9 months 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.. Loan terms: Revolving business credit card; 24-30 days to pay after each billing cycle; individual or consolidated billing; minimum interest charge $0.50. 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%).