UMB Eco Rewards Visa® Platinum Credit Card
Earn points for every dollar spent on the UMB Visa Platinum Rewards credit card, plus earn double points for every dollar of interest billed. How you redeem your points is up to you! Choose cash back, travel or merchandise, or choose all. Not only will you save money and earn rewards by transferring your high-interest card balances to your UMB Visa Platinum credit card, you'll receive other card benefits such as:
- No annual fee
- Online account access to view transactions, make payments and track reward points
- Zero Liability fraud protection from unauthorized purchases, online and off
- Travel assistance services including pre-trip planning, roadside assistance, legal and medical referrals
- Auto rental insurance to cover any repairs or losses associated with your rental car when you use your UMB Visa Platinum card to rent the car.
- One card, many rewards, no annual fee.
|Credit Target||Type||Annual Fee||BT Intro APR||Purchase Intro APR||Regular APR||Rewards|
|Excellent Credit||Personal||$0*||N/A*||0.00% for 6 Months||10.99%*||Flexible Options|
This Visa rewards card with flexible options is issued by UMB Financial Corporation. This card is intended for consumers, or "personal use" with a nearly perfect credit history. APR's may vary among applicants, however the lowest standard APR is 10.99%* (Variable)*.
There is a purchase introductory APR of 0.00% for 6 Months*. Be cautious that some card issuers may charge higher rates and fees for cash advances.
There is no annual fee for this card.*
This is a flexible options rewards card. You should be able to choose different reward types, such as travel, points, or other options. This type of card adjusts to the changing needs of the cardholder.
Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great or nearly perfect credit record. A FICO credit score of 753 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.
FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any UMB Financial Corporation product.
The grace period listed for the UMB Eco Rewards Visa® Platinum Credit Card is at least 20 days*. So interest charges will not be applied for new purchases during this time. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.
This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment.
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.
There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 753, then your chance of approval may be even greater.
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.
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