UMB Private Bank Visa Signature Premier Cash Rewards Credit Card

UMB Bank

Invitation only

Key facts

Annual fee$0
RewardsCash back
Everything else earns1.35% back
Minimum credit scoreNot stated

The issuer states no minimum credit score for this card.

Earn rates

One flat rate: 1.35% back on purchases. The catalog records no bonus categories for this card.

Rates with conditions

1.5% back on Everything else — 1.50% on all net purchases in a statement period when they total $5,000 to $10,000
2% back on Everything else — 2.00% on all net purchases in a statement period when they total over $10,000

Signup bonus

The catalog records no public signup bonus for this card.

Credits and benefits

The credits the catalog models as fee offsets. Not a complete list of every perk.

$120 every 4 years — Up to a $120 statement credit every four years for a TSA PreCheck or Global Entry application fee

Applying

Foreign transaction fee: 0%

The page calls this an "invitation-only" card: "Contact your Private Banker to apply." Visa Signature Preferred cards require a $5,000 minimum credit line; applicants who do not qualify are considered for the UMB Private Bank Visa Platinum Premier Cash Rewards card, which earns 1.00% cash back.

Issuer's page for this card

Notes

Cash back by statement-period spend: 1.35% under $5,000, 1.50% from $5,000 to $10,000, 2.00% over $10,000, with the highest qualifying rate applied to all net spend that period; redeemed automatically as a statement credit. No annual fee, no foreign transaction fees. 0% intro purchase APR for 12 months, then a variable 14.49%; 0% intro balance transfer APR for 12 billing periods on transfers within 60 days, then 14.49% (28.49% if treated as a cash advance); cash advance APR 28.49%. Balance transfer fee 3% ($15 minimum); cash advance fee 3% ($15 minimum, $50 maximum). Costs as of April 1, 2026. The page also lists trip cancellation, interruption and delay coverage, lost luggage reimbursement, auto rental collision damage waiver, purchase security, extended warranty and cellular telephone protection, with amounts in the Guide to Benefits.

Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with UMB Bank; the card name is its owner's trademark.

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