UMB Simply Rewards®

Earn Rules?How much you earn back per dollar in each spending category. Cashback cards show these as percentages (2% back on groceries). Points/miles cards show them as multipliers (3x on dining). The math applies each rule to your spending in that category to compute total rewards for the year.

Signup Bonus?A one-time reward for opening the card and meeting a spend requirement. The full bonus counts toward the card's Year 1 value (only when your spend qualifies) and is excluded from its ongoing value.

15,000 Bonus Points when you spend $1,500 in the first 90 days of account opening.

Value: $150 · Spend $1,500 in 3 months

This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.

Who This Card Makes Sense For

• People who occasionally carry a balance. With no annual fee on top, the interest is the only cost.

Wondering if this card pays off for your situation? Is the UMB Simply Rewards® worth it? →

Cards in the Same Fee Tier That Score Higher

A similar annual fee, ranked higher at the default profile.

• DoorDash Rewards Mastercard®$726 (+$329)
• Fifth Third 1.67% Cash/Back Card$701 (+$305)
• Citizens Summit® World Mastercard®$683 (+$286)

We don't have a direct application URL for this card yet. This link goes to the issuer's rate-disclosure page.