Get flexible financing — for when your company’s working capital needs a rest — with the purchasing power of Visa®.

5Star Bank has partnered with UMB to provide you with business credit cards that give you the ability to get what your company needs to thrive — without putting its capital or other assets at risk. Track and control your small business spending with ease. And no matter where you or your team has to travel, you’ll have the power and security of Visa right in the palm of your hand.

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With UMB credit cards you receive:

  • Billing options
  • Spending controls
  • Worldwide acceptance
  • Business reporting packages
  • Online account access
  • Fraud protection

We offer several different credit card options. Choose the one that meets your business needs.

For more information about our small business credit cards, please contact a 5Star Bank representative via phone or e-mail.

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Now as a business owner, you want to earn rewards every month and not be concerned about what categories your credit cards points come from.

Every dollar you save is a dollar that falls to your bottom line. With the new Visa Signature® Business Rewards credit card1 you will earn two times points for the top two spend categories each month. That is a smart business move.

  • Rewards2
    http://www.redeemloyaltyrewards.com
  • Earn 2X Points per dollar on purchases in the top two merchant categories each month and 1 Point per dollar on purchases everywhere else Visa is accepted.2
  • No limits…No offers to activate…No categories to remember
  • Online reward redemption available 24/7, 365 days a year.
    • Take a test drive of the rewards

The Visa Signature Business Rewards credit card1 puts you in the driver’s seat of your rewards. Each business has changes in their expenses and needs.

Don’t be locked into only a couple specific categories of your current credit card. Let it change with your needs. *Designated within personal banking section of website (more visible = higher traffic = higher application volume )

Introductory Offers
Let’s keep the good news rolling with this card, you’ll earn additional rewards with this Introductory Offer.

Introductory Purchase APR of 0% for the first 9 months.3 Spend $2,000 in the first 90 days from account opening and earn 20,000 Bonus Rewards Points.4

OTHER BENEFITS

  • Equipped to handle all your mobile wallets!
  • No Annual Fee
  • Competitive Purchase APR
  • Consolidated and Individual Card Billing Options
  • Fraud Protection and Individual Card Limits

Apply today! Click the link below or visit a 5Star Bank Banking Center.

Downloan Application  *Optional link to PDF version of current application

(Try Adobe® Reader® if your browser won't open PDF files.)

Contactless Card
Look, tap, and go with your Visa Signature® Business Rewards contactless credit card.

Mobile wallets
This card is equipped to handle all your mobile wallets.

Request Info

Credit cards are issued by UMB Bank, n.a. under a license from Visa USA, Inc. 
1. Subject to credit approval. Rates and fees subject to change.

2. The Program Member's Control Account or the Cardholders account (if cards are billed to an individual Cardholder) earn two (2) Points for each dollar on Net Purchases that fall within the top two (2) merchant category codes (MCCs) for that month, based on the total dollar volume of Net Purchases in each category. We will use the MCCs assigned by the Card Network to identify your Net Purchases that qualify for accelerated Points earning. Certain conditions, restrictions, and exclusions apply. See the Visa Signature Business Rewards Program Rules for complete details about the rewards program.

3. APR for Purchases: 0.00% introductory APR for nine months. After that, your Purchase APR will be 18.24% (quote based on the Prime Rate in effect as of February 1, 2025).

4. Within 90 days of opening your new Visa Signature Business credit card account, approved applicants must use their card(s) to make $2,000 in Net Purchases to receive 20,000 bonus points. Bonus point eligibility will be determined by combining Sub Account Net Purchases to the Program Member's Control Account, or by an individual Cardholder's Net Purchases if the individual Cardholder receives a bill. Bonus Points will be applied to your account within 45 days of meeting the spend requirement. The following transactions are excluded from "Purchases" and do not earn rewards points: cash advances, returns, finance charges and credit card interest or fees. 

*The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. 

For more information, please contact UMB at 800-749-7113 or reach out to Card Services at 1-888-494-5141.