The UMB Simply Rewards is a personal credit card from UMB Simply Rewards. The annual fee is null. The ongoing APR is 15.49% to 23.49% after a 0% Introductory Purchase APR for 12 months introductory rate for 12 months. Approval typically requires a credit score of null or higher. Signup bonus: 15,000 Bonus Points when you spend $1,500 in the first 90 days of account opening.. Rewards: Earn three points per dollar spent at gas stations, grocery stores, discount stores, restaurants and fast food locations. Earn one point per dollar spent on all other purchases.. Cash back: null.