Secure Banking ·
About UMB Bank Help Center

Find the right credit card for your lifestyle

Compare rewards, travel, and business cards with flexible benefits, strong security, and digital control tools.

Apply for a card

Compare featured card options

Choose the card that matches how you spend, travel, and manage your monthly payments.

Rewards Card UMB
Personal Card

Everyday Rewards

Earn rewards on daily purchases with straightforward redemption options.

  • Bonus points on groceries and gas
  • No annual fee option available
  • Card alerts and transaction controls
Apply now Learn more
Travel Card UMB
Travel Card

Travel Plus

Built for frequent travelers with points, protections, and flexible redemption.

  • Enhanced rewards on travel purchases
  • Trip protection benefits
  • No foreign transaction fee option
Apply now See details
Business Card UMB
Business Card

Business Advantage

Separate business expenses and gain tools for spending control and reporting.

  • Employee card access and limits
  • Expense tracking support
  • Cash flow-friendly billing cycle
Apply now Learn more

Need help choosing a card?

Our specialists can help compare offers based on rewards goals, fees, and monthly payment preferences.

Get guidance

Tools to manage your card with confidence

Control spending and protect your account with modern digital features.

lockCard lock and alerts

Pause your card instantly and receive transaction notifications in real time.

Manage alerts ›

eventPayment planning

Set autopay, due-date reminders, and spend tracking to stay on top of balances.

Set up payments ›

verified_userFraud monitoring

Multi-layer monitoring helps detect unusual activity and secure your account quickly.

Security support ›

Frequently asked questions

Compare annual fees, reward categories, intro offers, and payment flexibility. If needed, speak with a specialist for guidance.
Yes. Most applications can be completed online in minutes and include a secure review process.
You can enroll in digital banking, set alerts, and manage payments as soon as your account is active.
Credit Card Disclosures

All credit cards are subject to credit approval. Rates and terms vary based on credit profile and selected card product.

APR, fees, and rewards program details are provided in the applicable card agreement and may change as permitted by law.

See account terms for details on rewards eligibility, redemption, and benefit limitations.