The UMB Direct Cash is a personal credit card from UMB Direct Cash. Application typically pulls a hard report from Experian. 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 1.5 points per dollar spent on all net purchases.. Cash back: null.