Bank · FDIC insured
UMB Bank Credit Card Rates
Top CarrotUMB Bank credit cards start at 14.49% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How UMB Bank’s credit card rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where UMB Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
UMB Bank
14.49%APR
UMB Private Bank Visa Signature Preferred Premier Cash Rewards Credit Card
Lowest rate
R-G Federal Credit Union
8.75%APR
2nd-lowest rate
1st MidAmerica Credit Union
8.90%APR
UMB Bank credit card score
63
Credit card score
Higher than 8% of U.S. banks and credit unions
- Purchase APRPurchase APR14.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UMB Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
UMB Direct Cash
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory purchase APR for 12 months. |
| Ongoing | 15.49%–23.49% | None | After the first 12 months, 15.49% to 23.49% variable APR based on creditworthiness and prime rate. |
| Ongoing | 28.49% | None | After the first 12 billing cycles, and for balance transfers made more than 60 days from account opening, 28.49% variable APR if treated as a cash advance. |
Sources (1)
- umb.com/personal-banking/credit-cards · captured Oct 5, 2026
UMB Private Bank Visa Signature Preferred Premier Cash Rewards Credit Card
Available to UMB Private Banking clients. Visa Signature Preferred requires a $5,000 minimum credit line.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory APR for the first 12 months. |
| Ongoing | 14.49% | None | After the first 12 months, 14.49% variable APR based on prime rate. |
| Ongoing | 28.49% | None | After the first 12 billing periods, and for Balance Transfers made more than 60 days from account opening, 28.49% variable APR if treated as a cash advance. |
Sources (2)
All captured Oct 5, 2026
UMB Simply Rewards
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory purchase APR for 12 months. |
| Ongoing | 15.49%–23.49% | None | After the first 12 months, 15.49% to 23.49% variable APR based on creditworthiness and prime rate. |
| Ongoing | 28.49% | None | After the first 12 billing cycles, and for balance transfers made more than 60 days from account opening, 28.49% variable APR if treated as a cash advance. |
Sources (1)
- umb.com/personal-banking/credit-cards · captured Oct 5, 2026
UMB Travel Select
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory purchase APR for 12 months. |
| Ongoing | 15.49%–23.49% | None | After the first 12 months, 15.49% to 23.49% variable APR based on creditworthiness and prime rate. |
| Ongoing | 28.49% | None | After the first 12 billing cycles, and for balance transfers made more than 60 days from account opening, 28.49% variable APR if treated as a cash advance. |
Sources (1)
- umb.com/personal-banking/credit-cards · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.