UMB Simply Rewards
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The UMB Simply Rewards is a rewards card for everyday purchases including gas, groceries, and dining. It includes superstores such as Walmart and Target. If you regularly shop at these stores, this card might be a good fit since many cards exclude discount stores. There’s also a 0% introductory rate on purchases and balance transfers for 12 months. There’s no cap on the amount of rewards you can earn, but rewards expire after five years. We dive into the details in this UMB Rewards review.
Our Rating
4.5/5.0
Welcome Offer
Earn 15,000 Bonus Points
Annual Fee
$0
0% Intro on Purchases
12 months
Reward Rate
1x to 3x Points
0% Intro on Balance Transfers
12 months
Welcome Offer
Earn 15,000 Bonus Points when you spend $1,500 in the first 90 days of account opening.
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts |
| Contactless Payments | Tap to Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay |
| Benefits | 24/7 customer service |
| Travel Perks | Access to Special Events and Concerts, Auto Rental Collision Damage Waiver, Emergency Travel Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 17.24% to 25.24% (V) APR |
| Balance Transfers | 0% Intro APR for 12 months on balance transfers, then 17.24% to 25.24%(V) APR after that. |
| Balance Transfer Fee | Three percent (3%) of the amount of the Balance Transfer, with a $15 minimum and no maximum. |
| Purchases | 0% Intro APR for 12 months on purchases, then 17.24% to 25.24% (V) APR after that. |
Pros & Cons
- Welcome offer
- No annual fee
- No foreign transaction fee
- Up to 3x points
- Requires good credit
What Are the Best Alternatives?
Citi® Double Cash Card
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
U.S. Bank Cash+® Visa Signature® Card
Rating
4.8
Rewards Range
1% - 5%
Annual Fee
$0
Citi Custom Cash® Card
Rating
4.7
Rewards Range
1% - 5%
Annual Fee
$0