UMB Simply Rewards

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 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

Our Rating

4.5/5.0

Welcome Offer

Earn 15,000 Bonus Points

Annual Fee

$0

0% on Purchases

12 months

Reward Rate

1x to 3x Points

0% 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.

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

Rewards

1x points
On all other eligible purchases
Earn 1 point per dollar spent on all other purchases.
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.

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR17.24% to 25.24% (V) APR
Balance Transfers0% Intro APR for 12 months on balance transfers, then 17.24% to 25.24%(V) APR after that.
Balance Transfer FeeThree percent (3%) of the amount of the Balance Transfer, with a $15 minimum and no maximum.
Purchases0% Intro APR for 12 months on purchases, then 17.24% to 25.24% (V) APR after that.

Pros & Cons

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

What Are the Best Alternatives?

Citi<sup>®</sup> 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

U.S. Bank Cash+® Visa Signature® Card
U.S. Bank Cash+® Visa Signature® Card

Rating

4.8

Rewards Range

1% - 5%

Annual Fee

$0

Citi Custom Cash® Card
Citi Custom Cash® Card

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

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