Simply Rewards Credit Card — UMB Bank is a personal credit card from UMB Bank. Application typically pulls a hard report from TransUnion. Rewards: 3X points per dollar on net purchases at gas stations, grocery stores, discount stores, restaurants and fast-food locations; 1X point per dollar on all other net purchases; points redeemable for statement credits, gift cards, merchandise, event tickets, travel and more; points expire after 5 years.