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UMB Bank
CREDIT CARD ALTERNATIVES

UMB Bank n.a., a subsidiary of UMB Financial Corporation, offers a comprehensive suite of banking products and services. The bank also issues credit cards with rewards programs and balance transfer credit cards. The bank's outstanding offer was the ePlate Visa Card issued together with Dynamics Inc.


Unfortunately, we do not offer UMB Bank credit card products. However, you can review best credit cards from our partners compared to UMB Bank credit offers, choose the card that best fits your lifestyle and apply online within minutes!

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UNFORTUNATELY, WE DO NOT CURRENTLY OFFER ANY ONLINE APPLICATIONS FOR THIS BANK.

  • Best Cards
  • Reward Cards
  • No Annual Fee
  • Limited/No Credit
Viewing 1 - 2 of 3

our choice

Rating 3.8

Excellent, Good, Fair, Average Credit

REWARDS BONUS

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**

REWARDS

  • Earn 1.5% unlimited cash back on card purchases every time you make a payment

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 14.99% - 29.99%

ANNUAL FEE

  • $0
Offer is not available

Rating 3.0

Excellent / Good Credit

REWARDS BONUS

  • No bonus offer71

REWARDS

  • Earn a $700 racing day on the track with only $1,250 in card spend71

INTRO APR ON PURCHASES

  • See terms71

REGULAR APR

  • 16.99% - 20.99% (V)71

ANNUAL FEE

  • See terms71

Rating 3.8

Excellent, Good, Fair, Average Credit

REWARDS BONUS

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**

REWARDS

  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 14.99% - 29.99%

ANNUAL FEE

  • $0
Viewing 1 - 2 of 3

our choice

Rating 3.8

Excellent, Good, Fair, Average Credit

REWARDS BONUS

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**

REWARDS

  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases

ANNUAL FEE

  • $0
Offer is not available

Rating 3.0

Excellent / Good Credit

REWARDS BONUS

  • No bonus offer71

REWARDS

  • 1% cash back on any purchase71

ANNUAL FEE

  • None71

Rating 3.8

Excellent, Good, Fair, Average Credit

REWARDS BONUS

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**

REWARDS

  • Earn 1.5% unlimited cash back on card purchases every time you make a payment

ANNUAL FEE

  • $0
Viewing 1 - 2 of 3

our choice

Rating 3.8

Excellent, Good, Fair, Average Credit

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 14.99% - 29.99%

ANNUAL FEE

  • $0

KEY FEATURE

  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
Offer is not available

Rating 3.0

Excellent / Good Credit

INTRO APR ON PURCHASES

  • See terms71

REGULAR APR

  • 16.99% - 20.99% (V)71

ANNUAL FEE

  • None71

KEY FEATURE

  • No restrictions or blackout dates.71
on First Tech's secure website

Rating 4.5

Good to Excellent Credit

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 13.24% - 18.00% Variable APR

ANNUAL FEE

  • None

KEY FEATURE

  • Earn 1 point for every $1 spent on everyday purchases
Viewing 1 - 2 of 3

our choice

KEY FEATURE

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

CREDIT REPORTING

  • Yes

ANNUAL FEE

  • As low as $85

Rating 3.7

Bad, Fair, Good, Excellent Credit

KEY FEATURE

  • See if you’re Pre-Qualified without impacting your credit score

CREDIT REPORTING

  • Yes

ANNUAL FEE

  • $75 - $125, after that $99 - $125 annually

Rating 3.6

Any Credit Welcome

CREDIT CHECK

  • No

INSTANT RESPONSE

  • No

MINIMUM LOAN AMOUNT

  • $100

other alternatives TO UMB Bank
CREDIT CARDS

our choice

Rating 4.5

  • Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
  • Earn 1 point for every $1 spent on everyday purchases
  • No annual fee or balance transfer fee
  • Points never expire while account is open and in good standing
  • Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards

our choice

No
Annual Fee & Foreign Transaction Fee
Annual Fee
None
Foreign Transaction Fee
0%
Late Payment Fee
Up to $25.00
10,000
Bonus
Points
Bonus Offer
Earn 10,000 bonus reward points after $2,000 in purchases made within 60 days of account opening
Earn More
on Your
Daily Spending
Rewards on everyday purchases
Earn 1 point for every $1 spent on everyday purchases
Max. Rewards
Earn 1 point for every $1 spent on everyday purchases
Rewards expiration
Points never expire while account is open and in good standing

our choice

Rating 4.5

  • Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days
  • Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases
  • Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
  • No points maximum and your points never expire

our choice

20,000
Bonus
Points
Bonus Offer
Earn 20,000 bonus Rewards Points when you spend $3,000 within 60 days of opening your new card
Earn More
on Your
Daily Spending
Rewards on everyday purchases
1 Reward Point for every $1 spent on all other purchases
Max. Rewards
Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications
Rewards expiration
Your points never expire
No
Annual Fee & Foreign Transaction Fee
Annual Fee
None
Foreign Transaction Fee
0%
Late Payment Fee
Up to $25.00

our choice

Rating 3.8

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
  • No annual fee
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere

our choice

$200
Cash Back Bonus
Bonus Offer
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
Up to
3%
Cash Back
Max. Rewards
3% cash back on Home, Auto and Health Categories
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
Up to 3%
Late Payment Fee
$0

our choice

Rating 3.8

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere

our choice

$200
Cash Back Bonus
Bonus Offer
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
Up to
1.5%
Cash Back
Max. Rewards
Earn 1.5% unlimited cash back on card purchases every time you make a payment
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
Up to 3%
Late Payment Fee
$0

our choice

Rating 3.9

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free access to your VantageScore 4.0 score from TransUnion®

our choice

Up to
3%
Cash Back
Max. Rewards
Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
Rewards on everyday purchases
Earn 1% Cash Back Rewards* on all other eligible purchases
Redemption Options
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
Yes
Instant Response
Instant Response
Yes
Card Network
Mastercard®
Credit Check
Yes

our choice

Rating 3.7

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

our choice

Double Your Line
Credit Line
$300 - $1,000 credit limit doubles up to $2,000! (after first 6 monthly payments on time)*
Credit Check
Yes
Pre-Approval
See if you’re Pre-Qualified with no impact to your credit score
Reporting
to the Major Consumer
Reporting Agencies
Credit Bureau Reporting
Yes
Card Category
Unsecured
Checking Account Required
Yes
Instant Response
Instant Response
Yes
Card Network
Mastercard®
Credit Check
Yes

card offers FROM
UMB BANK

UMB Bank and Dynamics, a producer of intelligent powered payment cards, together offer an innovative card that rewards you with experiences. It is not just another rewards credit card because this card does not reward its holders with boring points or cash back. The ePlate credit card rewards you with things.

The Dynamics ePlate card looks like a general plastic but has a technology inside: two buttons. These buttons allow you to choose which rewards to earn with every swipe of the card. You just need to press one of the two buttons on the card and swipe the card to get the button's reward.

Each of two buttons on the card has a reward assigned to it via online Experience Manager. There are dozens of rewards you can choose from and you can change the button's reward any time you wish and as often as you like. The online Experience Manager is easy in use and you can use your computer, tablet or smartphone to log in and change rewards.

The Dynamics ePlate™ VISA® card allows you to earn the rewards you want and then receive real-time, tangible rewards in the form of unique giveaways and exclusive experiences.

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Don't know
what to choose?

FIND A CREDIT CARD FOR YOUR NEEDS IN 3 EASY STEPS!

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questionsABOUT
CREDIT CARDS

What is the best credit card for rewards?

If it is your first rewards credit card, we would recommend applying for a no annual fee credit card with a fixed cash back rate on all purchases, without any changing categories and enrolments. Cash back rewards are...

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Which credit card to apply for?

Choosing a credit card is true art - and at the same time it's a piece of cake. To decide which credit card to apply for, you need some analytical skills, some calculations and some simplest input data to perform the...

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How to maximize credit card rewards?

Here are some tips that will help you maximize credit card rewards: Never pay an annual fee. This rule is extremely important for those who do not put a lot on a credit card. An annual fee may eat all or part of your...

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