Credit Cards

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Credit Cards

Choose our Simply Rewards^TM Visa ^® Credit Card. Earn more rewards for all of your everyday purchases. Earn 3x the points:

• Grocery Stores
• Discount Stores
• Gas Stations
• Restaurants & Fast Food

All other purchases earn 1x the points.

We make it easy to redeem
Access your account to see how many points you’ve earned through online banking or your monthly statement at www.cardcenterdirect.com.

Redeem your reward points for Account Credits, Gift Cards, Travel, Entertainment and more.¹

Additional Visa Benefits²

• Fraud Protection: Visa's Zero Liability Policy means you won't be held responsible for any unauthorized charges made with your card or account information.³
• Others: Including auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more.

Online Credit Card Control
View transactions, pay bills and track expenses. Includes eStatements with 18 months of history.

Cardholder Self-Service Contacts

• Online Account Access: www.cardcenterdirect.com
• Rewards Points Redemption: www.cardcenterdirect.com
• Customer Service: 1.800.821.5184

Cards issued by UMB Bank, n.a.

1. Cardholders earn three (3) points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn one (1) point per dollar on all other purchases. See Simply Rewards Rules for details.
2. If you are approved with a credit line that is equal to or greater than $5,000, a Visa Signature account will be issued, and if the credit line is less than $5,000, a Visa Platinum account will be issued. The benefits of Visa Platinum accounts differ from Visa Signature accounts. See Guide to Benefits and Cardholder Agreement that accompany your card for details. Certain terms and conditions apply.
3. Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

See card application for important rate, fee and program information.

Apply Online Now!

Make Online Card Payments

Digital Payments: Now Available for Credit Cards

If you have our Simply Rewards^TM Visa ^® Credit Card, you can pay without swiping or entering card information paying securely with a single touch of the finger with:

• Apple Pay
• Samsung Pay
• Fitbit Pay
• Garmin Pay