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Your life. Your choice. 

Earn more rewards for all your everyday purchases.*

3x the points 

Grocery Store  Grocery Stores

Discount Store  Discount Stores

Gas stations    Gas Stations

Restaurants  Restaurants and Fast Food

1x the points 

Other purchases   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

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.**


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 –     Customer Service – 1.800.821.5184

Rewards Points Redemption –

For Credit Cards Issued after June 30, 2010 by new servicer UMB Financial Corporation

Please click on the following link to view rewards.

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.