Credit Cards

• Online and Mobile Banking
• Mobile Wallet & P2P
• Money Management
• Text Banking
• Telephone Banking

Your Life. Your Choice.

Apply Now

Earn more rewards for all of your everyday purchases.¹

3x the points

	Grocery Stores
	Discount Stores
	Gas Stations
	Restaurants and Fast Food

1x the points

All other purchases

Redeem Your Points:

• Access your account - to see how many points you’ve earned through your monthly statement or online banking
• Redeem your Reward Points for Account Credits, Gift Cards, Travel, Entertainment and more

Additional Benefits include:

• Fraud Protection -Visa’s Zero Liability Policy² means your won’t be held responsible for any unauthorized charges made with your card or account information

• auto rental coverage, emergency cash, travel/emergency assistance, warranty manager benefits and more.³

Online Credit Card Control

View transactions, pay bills and track expenses. Includes eStatements with 18 months of history.

Learn more about our competitive rates and fees.

Cardholder Self-Service Contracts

Online Account Access – www.cardcenterdirect.com

Rewards Points Redemption – www.cardcenterdirect.com

Customer Service – 1.800.821.5184

Cards issued by UMB Bank, n.a.

¹Cardholders earn 3 points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards Rules for details.

²Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer. ³See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.