UMB Bank, a subsidiary of UMB Financial Corporation, provides comprehensive personal banking solutions through 91 banking centers and three wealth management centers across eight states. The foundation of their business is building and maintaining full-service relationships based on their long-standing commitment to integrity and quality. Banking with UMB is convenient with thousands of ATMs across their footprint and online banking options to suit their on-the-go lifestyle.�Their vision is to be recognized for the unparalleled customer experience. Their mission is�to know their customers and anticipate their needs, advocate and advise,�innovate and surprise.
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The starting credit limit for the Classic Industries Credit card is determined based on a number of factors, such as your credit score, credit history and annual income.
Usually credit cards that require good credit for approval have an average credit limit of $7,500.
Even if you're not comfortable with your starting credit limit, you can increase it in time with responsible credit utilization.
But you must keep in mind, that when a credit limit increase is requested and not offered, it could result in a hard inquiry. This will affect your credit score for a short period of time.
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.
You can only use your QuikTrip Gas Card in QuickTrip gas stations.
UMB Simply Rewards points are worth 0.88 cents per point, on average. The value of UMB Simply Rewards points depends on how they are redeemed. For example, points from UMB Simply Rewards are worth up to 1 cent each when redeemed for gift cards, cash back or miscellaneous.
|
Redemption Method |
Average Point Value |
Value of 1,000 Points |
|
Merchandise |
0.65 cents |
$6.50 |
|
Cash Back |
1 cent |
$10.00 |
|
Gift Cards |
1 cent |
$10.00 |
|
Miscellaneous |
1 cent |
$10.00 |
You'll earn the most UMB Simply Rewards points per $1 spent on gas, groceries, discount stores, restaurants and fast food purchases. Maximizing the number of points you earn will ensure that you get the most redemption value possible at the end of the day.
UMB Simply Rewards points expire 60 months from the end of the billing cycle in which they're earned.
UMB Simply Rewards points are worth the most when redeemed for [best redemption method].
The UMB Simply Rewards card's regular APR is high enough to erode your rewards earnings if you carry a balance from month to month.
If UMB closes your account because of a failure to pay the bill or fraudulent activity, you'll lose any unredeemed points you have saved. Similarly, any points you don't redeem before closing your account will be lost.
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