UMB Visa® Platinum Rewards Credit Card
The UMB Visa Platinum card gives you superior purchasing power and worldwide recognition as well as reward points redeemable for a seemingly endless selection of rewards!
- Shopping Discounts: Get exciting discounts on great merchandise with Visa Rewards Online‡.
- Fraud Protection: You are not responsible for any unauthorized purchases made with your card or account number.
- Warranty Manager Service: Provides warranty registration, extended warranty protection and extended service agreements.
- Auto Rental Insurance: Provides 24-hour coverage for damage due to collision or theft.
- Travel and Emergency Assistance: Provides emergency assistance including medical referrals, legal referrals and emergency ticket replacement.
- Annual Activity Statement: Receive a complimentary year-end summary to reconcile your Visa Platinum purchases.
- Travel Accident Insurance: Receive up to $500,000 travel/accident insurance when you charge airplane, train, ship or bus tickets on a licensed common carrier with your UMB Visa Platinum Card.
- Payment Options: UMB accepts four different methods of payment for your convenience.
|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 Visa® Platinum Rewards 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.
Based on community reviews, we found that 100% of 1 user recommend this card.