UMB Direct Cash Visa Credit Card

UMB Bank

Key facts

Annual fee$0
RewardsPoints
Everything else earns1.5x points
Minimum credit scoreNot stated

The issuer states no minimum credit score for this card.

Earn rates

One flat rate: 1.5x points on purchases. The catalog records no bonus categories for this card.

Signup bonus

15,000 points after $1,500 of spend in the first 3 months.

Applying

Foreign transaction fee: 2%

Issuer's page for this card

Notes

1.5 points per $1 on all net purchases. 15,000 bonus points after $1,500 in net purchases within 90 days. Points expire after 3 years. Points redeem for cash, deposited to a UMB checking or savings account (using 10% fewer points than a statement credit), applied as a statement credit, or sent to another financial institution; the page states no value per point. 0% intro purchase APR for 12 months, then a variable 15.49% to 23.49% APR; 0% intro balance transfer APR for the first 12 billing cycles on balances transferred within 60 days, then 15.49% to 23.49% (28.49% if treated as a cash advance); cash advance APR 28.49%. Balance transfer fee 3% ($15 minimum); cash advance fee 3% ($15 minimum, $50 maximum). No annual fee. Foreign transaction fee 2%. Points value not stated by the issuer; ranked at $0 per point until a value is set.

Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with UMB Bank; the card name is its owner's trademark.

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