The UMB Bank is a personal credit card from UMB Bank. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 14.49% variable for purchases (varies with the prime rate); cash advances 28.49% variable (information accurate as of April 1, 2026) after a 0% introductory APR for 12 months on purchases; 0% introductory APR for 12 billing periods on balance transfers made within 60 days of account opening introductory rate. Rewards: 2.00% cash back on monthly net purchases over $10,000; 1.50% at $5,000 to $10,000; 1.35% under $5,000; redeemed as a statement credit. Typical credit limit: $5,000 minimum credit line.