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You are here: Home / Credit Cards / UMB Simply Rewards

UMB Simply Rewards

September 21, 2022 by Gail Kellner

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.

UMB Simply Rewards
Learn More
Our Rating
4.9/5.0
Welcome Offer
15,000 Points
Annual Fee
$0
0% on Purchases
12 Months
Rewards Rate
1x to 3x Points
0% on Balance Transfers
12 Months

Rewards

3x points
U.S. supermarkets
Earn 3 points per dollar spent at grocery stores and discount stores.
3x points
Dining
Earn 3 points per dollar spent at restaurants and fast food locations.
3x points
Gas
Earn 3 points per dollar spent at gas stations.
1x points
On all other purchases
Earn 1 point per dollar spent on all other purchases.

Signup Bonus

Earn 15,000 bonus points after spending $1,500 within your first 90 days of account opening.

Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Up to 3x points
Cons
  • Requires good credit

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Benefits24/7 customer service
Travel PerksAccess to Special Events and Concerts, Auto Rental Collision Damage Waiver, Emergency Travel Assistance

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR16.49% to 24.49% (V) APR

0% Intro APR

Balance Transfers0% Intro APR for 12 months on balance transfers, then 16.49% to 24.49%(V) APR after that.
Purchases0% Intro APR for 12 months on purchases, then 16.49% to 24.49% (V) APR after that.

What Are the Best Alternatives?

Citi® Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Read Review
U.S. Bank Cash+ Visa Signature Card
U.S. Bank Cash+ Visa Signature Card

Rating

4.8

Rewards Range

1% - 5%

Annual Fee

$0

Read Review
Citi Custom Cash Card
Citi Custom Cash Card

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

Read Review

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Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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