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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. Consumers can take advantage of their online banking, payments services and credit products. Bank issues credit cards with rewards programs and balance transfer credit cards. The bank's outstanding offer is the Dinamics ePlate™ Visa® Card issued together with Dynamics Inc. The ePlate credit card is an electronic credit card with incredible rewards of your choice.

Unfortunately, we do not currently offer any online applications for this bank.
However, our experts have matched very similar credit card offers which might be just as good or better available from other banks!
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Card Type
Reward Bonus
Rewards
Intro APR on Purchases
Regular APR
Annual Fee
UMB Bank Cards:
Featured Alternatives to UMB Bank Cards:
Excellent/Good Credit
Excellent/Good Credit
Excellent, Good Credit
Excellent / Good Credit
Excellent / Good Credit
See terms Credit
Discover it® Cash Back Discover it® Miles Citi Premier® Card Dynamics ePlate Air Dollars Visa Signature Card Dynamics ePlate™ VISA® Credit Card Dynamics ePlate Skip Barber Visa Signature Card
Discover it® Cash Back*See Terms Discover it® Miles*See Terms Citi Premier® Card Dynamics ePlate Air Dollars Visa Signature Card Dynamics ePlate™ VISA® Credit Card Dynamics ePlate Skip Barber Visa Signature Card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Unfortunately,
we do not currently offer
online application
for this card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
No
See terms
No
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
0% Intro APR (14 months)
0% Intro APR (14 months)
N/A
n/a71
n/a71
n/a71
11.99% - 22.99% Variable APR
11.99% - 22.99% Variable APR
15.99% - 23.99% (Variable)
16.99% - 20.99% (V)71
17.24% - 21.24%71
16.99% - 20.99% (V)71
$0
$0
$95
None71
None71
See terms

Other Alternatives to UMB Bank Cards:

Excellent, Good Credit
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Expert Rating:

Card Details
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Balance Transfer Fee Annual Fee
0% (12 months) 0% (21 months) 13.74% - 23.74% (Variable) 5% of each balance transfer; $5 minimum. $0
See card details
Excellent/Good Credit
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Expert Rating:

Card Details
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. Based Customer Service available any time.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Balance Transfer Fee Annual Fee
0% Intro APR (14 months) 0% Intro APR (14 months) 11.99% - 22.99% Variable APR 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* $0
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Card Details
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Balance Transfer Fee Annual Fee
N/A 0% (18 months) 13.99% – 23.99% (Variable) Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min). $0
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Card Details
  • Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
  • No Annual Fee
  • Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Balance Transfer Fee Annual Fee
N/A N/A 15.99% - 24.99% (Variable) 5% of each balance transfer; $5 minimum. $0
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Card Details
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Summary of Card Features:
Regular APR Annual Fee Application Processing Fee Reporting Credit Bureaus Instant Response
17.39% (variable) $35 See Terms Yes No
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Expert Rating:

Card Details
  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
  • Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
  • No Foreign Transaction Fees on purchases
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Balance Transfer Fee Annual Fee
N/A N/A 15.99% - 24.99% (Variable) 5% of each balance transfer; $5 minimum. $450
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Expert Rating:

Card Details
  • Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit – Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
Summary of Card Features:
Regular APR Annual Fee Application Processing Fee Reporting Credit Bureaus Instant Response
9.99% (Fixed) $48 None Yes Yes
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Expert Rating:

Card Details
  • Get the security and convenience of a full-featured, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Select your favorite card design from our gallery, for free!
  • 24/7 mobile account access with no security deposit required
  • $0 fraud liability if your card is lost or stolen
  • All credit histories considered for this no security deposit credit card
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri
Summary of Card Features:
Intro APR
on Purch.
Regular APR Annual Fee Application Processing Fee Reporting Credit Bureaus
N/A See Terms See Terms See Terms Yes
See card details
See website for Details*
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Expert Rating:

Card Details
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Free 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
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Balance Transfer Fee Annual Fee
See website for Details* See website for Details* 24.99% - 29.99% (Variable) N/A See website for Details*
See card details

Innovative Dynamics ePlate Credit Card

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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