UMB Visa Platinum Rewards Credit Card - Card details and review

Credit Card Rate Information:

Purchase

Balance Transfer

Cash Advance

Index:

Prime

Margin:

7.74

7.74%

11.74%

APR:

10.99% Variable

10.99% - 14.99% Variable

14.99% - 25% Variable

APR Floor:

None

Intro Rate:

0%

None

N/A

Intro Period:

6 months

None

N/A

Finance Calculation Method:

Average Daily Balance

Purchase Grace Period:

21 days

Default/Penalty APR:

21.75% - 27.90% Variable

Default/Penalty Margin:

18.50 - 24.65

Default/Penalty APR Floor:

None

Maximum Default APR:

27.90%

Penalty/Default Trigger:

The Penalty APR may be applied to your account if you make a late payment.

Credit Card Fee Information:

Annual Fee:

$0

Foreign Transaction Fee:

2%

Late Fee:

Over-the-limit Fee:

$0 min.

Balance Transfer Fee:

Cash Advance Fee:

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:

Low Introductory APR on Purchases and no balance transfer fees for 6 months. Balance Transfer APR varies as follows 12.99% if your Balance Transfer is treated as a Purchase, or 16.99% 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%.

Card Issued By:

UMB Bank

General Correspondence Address:

4900 Main Street, Kansas City, MO, 64106

Card Type:

Visa

Card Class:

Platinum

Card Category:

Cash Back, Low Intro Rate, Miles/Points, Reward

States Available In:

ALL