The UMB Simply Rewards is a personal credit card from UMB Simply Rewards. The annual fee is $0. The ongoing APR is 15.49% - 23.49% (V) after a 0% introductory rate for 12 months. Approval typically requires a credit score of Good or higher. Signup bonus: Earn 15,000 bonus points when you make $1,500 in purchases with your card within the first 90 days of account opening.. Rewards: Earn 3 points per dollar on gas, groceries, discount stores, restaurants and fast food. Earn 1 point per dollar everywhere else.. Cash back: null.