The UMB Bank is a personal credit card from UMB Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 15.49% to 23.49% variable (UMB page costs accurate as of July 1, 2026) after a 0% intro APR on purchases for 12 months; 0% on balance transfers for 12 billing cycles if made within 60 days of account opening introductory rate for 12 months. Signup bonus: 15,000 bonus points after $1,500 in net purchases within 90 days of account opening. Rewards: 1.5 points per dollar on all net purchases. This product reports activity to your personal credit report.