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About Our Ratings
Credit Needed
Excellent

UMB Eco Rewards Visa® Platinum Credit Card Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Annual Fee
None

This card compared to other cash back cards

Card Name
UMB Eco Rewards Visa® Platinum Credit Card
Cashback on Gas
1-5%
Unlimited 1.5% cash back
Cashback on Groceries
1-5%
Unlimited 1.5% cash back
Cashback on other
5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Unlimited 1.5% cash back
Purchase Intro
APR:
0%
Period:
6 months
APR:
0%
Period:
14 months
APR:
0% Intro APR on Purchases
Period:
for 15 months
Purchase APR
10.99% Variable 
11.99% - 23.99% Variable 
15.99%-24.74% Variable 
CardRatings.com Editorial Staff

UMB Eco Rewards Visa® Platinum Credit Card details

Balance Transfer Intro APR:
None
Balance Transfer Intro Period:
None
Purchase Intro:
APR:
0%
Period:
6 months
Purchase APR:
10.99% Variable
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 prime
 
 
Margin:
 7.74
 7.74 - 11.74
 11.74
APR:
  10.99% Variable
 10.99% - 14.99% Variable
 14.99% Variable
APR Floor:
 N/A
 N/A
 N/A
Intro Rate:
 0%
 None
 None
Intro Period:
 6 months
 None
 None


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 21.75% Variable
Default/Penalty Margin:
 18.50
Default/Penalty APR Floor:
 
Penalty/Default Trigger:
 The Penalty APR may be applied to your account if you make a late payment.

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 2%
Late Fee:
 N/A
Over-the-limit Fee:
 N/A
Balance Transfer Fee:
3% ($15 min. )  


Notes:

Rebate Description:
 Earn points for every dollar spent on the UMB Visa Platinum Rewards credit card, plus earn double points for every dollar of interest billed. Redeem for cash back, travel or merchandise, or choose all three.
Special Notes:
 Purchase APR: 0.00% introductory APR for six (6) months. After that, your APR will be 10.99%. Balance Transfer APR varies as follows: 10.99% if your Balance Transfer is treated as a Purchase, or 14.99% if your Balance Transfer is treated as a Cash Advance. The APR for Purchases and Cash Advances will not exceed 25.00%, but if the Penalty APR applies, it will not exceed 27.90%.
Credit Card More Information:

Card Issued By:
 UMB Bank
General Correspondence Address:
4900 Main Street
Kansas City, MO 64106
Card Type:
 Visa
Card Class:
 Platinum
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 N/A
Credit Limit Notes:
 

Credit Card Consumer Reviews:

  1. No reviews available for this card.

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Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

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  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
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Credit Needed:
Excellent, Good
Apply online for Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99%-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good