Build Credit, Earn Rewards & Make Purchases
When used properly, a credit card is a valuable tool that can allow you to make purchases, earn rewards and build your credit. At Iowa State Bank, we offer the VISA® Simply Rewards Card that allows you to earn points on your everyday purchases that can go toward rewards. Please click the buttons below to apply online, make a payment on your balance, or access your statements if you already have a credit card with Iowa State Bank.
How You Earn Points Using Your Credit Card
Use your credit card to make your purchases and you’ll earn points. With the VISA® Simply Rewards Card, you can earn 3x the points when you use your card at:
- Grocery Stores
- Discount Stores
- Gas Stations
- Restaurants and Fast Food
All other purchases will earn you 1x the points.
How Can I Redeem My Points?
Your points can be used on rewards that include:
- Account Credits
- Gift Cards
- Travel
- Entertainment
- Much More1
Other Credit Card 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
- Auto Rental Coverage
- Emergency Cash
- Travel/Emergency Assistance
- Warranty Manager
- Much More
Digital Payments
Now Available for Credit Cards
If you have our Simply Rewards™ Visa® Credit Card, you can pay without swiping or entering card information paying securely with a single touch of the finger with:
Cards issued by UMB Bank, n.a.
- 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.
- 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.
- 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.
