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 (rates as of July 1, 2026) after a 0% intro APR on purchases for 12 months; 0% intro APR on balance transfers made within 60 days of account opening, for 12 billing cycles introductory rate. Signup bonus: 15,000 bonus points after $1,500 in net purchases within 90 days. Rewards: 3 points per dollar at gas stations, grocery stores, discount stores, restaurants and fast food; 1 point per dollar on other purchases. This product reports activity to your personal credit report.