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: Everyday Purchases: UMB Simply Rewards Visa Credit Card. Cash back: null.