The UMB Visa® Signature Preferred Rewards Credit Card is a personal credit card from UMB Visa® Signature Preferred Rewards Credit Card. Application typically pulls a hard report from Experian. The annual fee is null. The ongoing APR is null after a null introductory rate. Approval typically requires a credit score of null or higher. Signup bonus: null. Rewards: Earn up to 2% cash back on your net purchases.. Cash back: null.