Report Abuse
1 Star Rating
They rejected my credit card application with an 835 score. What a terrible bank.
Product: UMB Bank Credit Cards
Comment
Ad Disclosure
Please find below credit cards offered by UMB Bank.
Compare UMB Bank Credit Cards
Updating Results
Purchase Intro APR0% for 12 months
Transfer Intro APR0% for 12 months|Transfer Fee: 3% (min $15)
Regular APR15.49% - 23.49% (V)
Purchase Intro APR
0% for 12 months
Transfer Intro APR
0% for 12 months|Transfer Fee: 3% (min $15)
Regular APR
15.49% - 23.49% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
Bonus Offer
15,000 points
Bonus Offer
15,000 points
minimum credit
Good
WalletHub's Take
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
Cons
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
Read our editor's full UMB Simply Rewards Visa Credit Card review.
Rewards Details
- Earn 15,000 bonus points when you make $1,500 in purchases with your card within the first 90 days of account opening.
- Earn 3 points per dollar on gas, groceries, discount stores, restaurants and fast food.
- Earn 1 point per dollar everywhere else.
- Redeem for account credits, gift cards, merchandise, travel and more.
- Points Expire after 5 years.
Additional Info
- 0% Intro APR on balances transferred within 60 days from account opening.
- View your account balance, review transactions and make your Visa payment online with Online Banking.
- Visa benefits like travel assistance services, auto rental insurance and more.
Purchase Intro APRNot Offered
Transfer Intro APR0% for 12 months|Transfer Fee: 3% (min $15)
Regular APR17.74% - 27.74% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 12 months|Transfer Fee: 3% (min $15)
Regular APR
17.74% - 27.74% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
minimum credit
Good
WalletHub's Take
Pros
- No membership fees
- 0% intro APR on balance transfers
- High rewards rate
- Bonus rewards categories
Cons
- No initial rewards bonus
- No intro APR on purchases
- Balance transfer fee
- Foreign fee
Read our editor's full Classic Industries Credit Card review.
Rewards Details
- Earn 3 points per dollar on gas, groceries, discount stores, restaurants and fast food.
- Earn 1 point per dollar everywhere else.
- Receive up to 15% off your order from Classic Industries every time you use your card.
- Redeem your reward points for account credits, gift cards, travel, entertainment and more.
Additional Info
- 0% Intro APR on balance transfers requested within 60 days from account opening.
- Receive additional discounts on the parts you purchase when you use your Classic Industries credit card.
- Including auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more.
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
UMB Bank Credit Card Reviews
4.0
754 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
Report Abuse
1 Star Rating
I changed my minimum amount to a larger amount since my card was on auto-pay for years. They never processed my auto-pay, hit me with a fee, and I called them to try and correct the issue. All they could do is say, 'Go online and make the payment. We can then discuss reversing the charge after the payment is processed.' What! I'm on the phone with you right now; you're telling me we can't fix this? You can't take my payment, and you are impacting my credit report with a late payment. How is this good customer support? I am frustrated by the lack of effort from the UMB team to provide a good customer experience. Don't waste your time with UMB; the rates are not that good and there are no real benefits for using it for customers like Rural King.
Product: UMB Bank Credit Cards
Comment
Report Abuse
1 Star Rating
High Risk Balance Transfer. They accused me of providing incorrect payee information. They have doubled my debt and are refusing to help resolve the issue. My health has been negatively affected by dealing with their customer service over the telephone. They shouldn't be allowed to offer Balance Transfers.
Product: UMB Bank Credit Cards
Comment
Report Abuse
1 Star Rating
I am Raj. I received a pre-approval letter from UMB Bank for a credit card, and yesterday (07/21/2025), I applied for it. Normally, online credit card applications provide immediate feedback, confirming approval or decline, but I didn't receive any. When I called their customer service, they told me they would review my application and inform me by email. However, today I still had not received an update, so I called again and was informed that it required 30 days to review my application. I then requested to cancel my application, and the representative said she had submitted a withdrawal request. When I inquired about receiving a confirmation, the call got disconnected. Calling back, I encountered a lady who was unable to hear me. After discussing the issue again and submitting another request for withdrawal, I asked when I would receive confirmation. The answer I received was uncertain; she mentioned that they would send me an email when they cancel my application, but she had no idea about the processing time. In hindsight, I regret not heeding the negative reviews, as my experience has been unsatisfactory, and they have already made an inquiry into my credit history. Please consider avoiding this bank.
Product: UMB Bank Credit Cards
Comment
Report Abuse
1 Star Rating
Terrible customer service! Please stay away! I submitted a balance transfer when I applied for the card. When I didn't see the transfer sent after 2 weeks, I called them for the first time, and I was told it would take 21 days after the balance transfer was submitted. Two days ago, I called them again. This time, I was told that it would take 30 days from the balance transfer request. I requested to speak to a manager who said she would call me back today with an update on the balance transfer, but she never called. This card offered $200 cash back for a $1,500 purchase within 90 days of account opening. So, I tried to pay my insurance using this card—UMB Visa. Guess what—it was not accepted! I wasted over 2 hours for the application and calling Customer Service. Worst experience ever from a credit card company. Extremely disappointed!
Product: UMB Bank Credit Cards
Comment
Report Abuse
1 Star Rating
This is the worst bank I have ever dealt with; they provided very poor service. I do not recommend enrolling with this bank; I disliked it and do not wish to be a member.
Product: UMB Bank Credit Cards
Comment
Report Abuse
1 Star Rating
Had a balance of $9,979.32. Paid this in full, but they locked my card. They keep telling me "tomorrow," and now it's been one week and I still have no card. I was in perfect standing and have always been. Now, I'm in Minnesota stuck here until the card can be used. What a joke of a bank. You should get a different bank card; never have I experienced such horrible customer service.
Product: UMB Bank Credit Cards
Comment
Report Abuse
1 Star Rating
Avoid this credit card company at all costs. Their autopayment setup is incredibly frustrating, often taking 2-3 months to activate, which seems designed to collect late fees and interest when payments aren't processed as promised. Despite setting up autopay in full from the start, our payments have not been pulled in four months. Additionally, their customer service representatives lack the authority to resolve issues beyond taking payments over the phone. Customer support is nearly nonexistent, and the bank prioritizes its own interests over those of customers. Expect long wait times—be prepared to spend at least an hour on the phone for even simple inquiries, as representatives frequently need to place you on hold to get guidance.
Product: UMB Bank Credit Cards
Comment
Report Abuse
5 Star Rating
Verified CustomerI have used UMB Bank for 2 years and have never had a problem. Their people really want to help you, and I pay my statement balance in full each month.
Product: UMB Bank Credit Cards
Comment
Report Abuse
1 Star Rating
This bank does not deserve to be in the online banking system as far as card services and management go.
Horrible website.
Even worse ACH verification and auto-pay process.
The worst by far credit card experience ever.
Horrible website.
Even worse ACH verification and auto-pay process.
The worst by far credit card experience ever.
Product: UMB Bank Credit Cards
Comment
Review UMB Bank Credit Cards
UMB Bank Credit Card Q&A
Get answers to your questions about UMB Bank Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
- Most Popular
- Most Upvotes
Questions sort
2
UpvotesWhat is the Classic Industries Credit Card credit limit?
Reply
Gary McKenzie
The Classic Industries Credit Card does not disclose a credit limit in its terms and conditions. Classic Industries Credit Card credit limits depend on each applicant's overall creditworthiness. People with the most income and the best credit scores generally receive the highest starting credit limits.
The Classic Industries Credit Card credit limit that you receive when you're approved isn't necessarily permanent. You can ask to get a credit limit increase by calling the customer service number on the back of your card, but it's best not to ask more than once a year.
UMB Bank will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are the keys to getting unsolicited credit line increases.
You can learn more about how your credit limit is determined here on WalletHub.
1
UpvoteWhat credit score is needed for the QuickTrip Gas Card?
Reply
Bobby Willis
You needed at least a fair credit score for the QuikTrip Gas Card.
Unfortunately, you can no longer apply for this card. In case you are interested in other cards with gas rewards, you can apply for, click here.
1
UpvoteCan I use my QuikTrip Gas Card anywhere?
Reply
Brianne Larch
You can only use your QuikTrip Gas Card in QuickTrip gas stations.
1
UpvoteWhat's their customer support number?
Reply
Robert W Polk
You can reach UMB's customer service at 800-821-5184.
1
UpvoteWhat can I apply my rewards points towards?
Reply
View more answers
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub, we try to list as many credit card offers as possible and currently have more than 1,500 offers, but we do not list all available offers or financial service companies.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.