Your life. Your choice.
Earn more rewards for all your everyday purchases.*
3x the points
Grocery Stores
Discount Stores
Gas Stations
Restaurants and Fast Food
1x the points
All other purchases
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We make it easy to redeem
Access your account to see how many points you’ve earned through online banking or your monthly statement at www.cardcenterdirect.com.
Redeem your reward points for Account Credits, Gift Cards, Travel, Entertainment and more.*
Additional Visa Benefits
Fraud Protection
Visa’s Zero Liability Policy means your won’t be held responsible for any unauthorized charges made with your card or account information.**
Others
Including auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more.***
Online Credit Card Control
View transactions, pay bills and track expenses. Includes eStatements with 18 months of history.
Learn more about our competitive rates and fees.
Cardholder Self-Service Contacts
Online Account Access – www.cardcenterdirect.com Customer Service – 1.800.821.5184
Rewards Points Redemption – www.more.umb.com/5StarRewardsInfo
For Credit Cards Issued after June 30, 2010 by new servicer UMB Financial Corporation
Please click on the following link to view rewards. www.cardcenterdirect.com
Cards issued by UMB Bank, n.a.
*Cardholders earn 3 points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards Rules for details.
**Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.
***See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.