Rewards Rules

Credit Card Rewards Program Rules

In these rules, the terms we, our or Issuer refer to UMB Bank, n.a., the issuer of your Visa® credit card (Card). You or your means the person who holds a qualifying Card that we have issued. Program means our Rewards Program. The Rewards Program Rules are separate from the terms of your Credit Card Agreement.

1. You are eligible to participate in the Program if you hold a Card that the Issuer has issued, and your related credit card account is in good standing. Issuer reserves the right to approve, deny, or revoke Rewards Program membership and redemptions for any reason.  Cardholder will forfeit all points if account is closed or if account is not in good standing. The Co-branded credit card company shown on the front of your credit card (“Co-brand Company”) has no liability for any benefit made available under the Program or any other liability in connection with the Program. 

2. Issuer will automatically renew your membership in the Program, as long as your Account is in good standing and Issuer has not received a notice that you canceled the Card. 

3.  Program members currently earn one (1) point per dollar spent on the enrolled credit card account for all Net Purchases.  Program members may receive bonus points from time to time.  Net Purchases refers to Purchase Advances for the payment of goods or services made, minus any returns or refunds. The following transactions are excluded from “Purchases” and do not earn rewards (unless determined otherwise): convenience checks, balance transfers, cash advances, returns, finance charges and credit card fees.

4. Rewards points will be accumulated and reported on your monthly card statement. When you have earned 5,000 points, we will issue a certificate for $50 that can be spent only at the Co-brand Company listed on the front of your card. Points will only be awarded in increments of 5,000 points. Your Rewards Certificates will be mailed to you at the address that we have on file for you. Please allow 6 to 8 weeks for delivery. Rewards certificates should be treated as cash; they will not be replaced if they are lost or stolen.  If you have a question regarding your certificate, please visit the website printed on the back of the certificate or call 888.628.8175.  If you have a question regarding your credit card account, please call 800.821.5184.

5.  Points expire on their anniversary date in the fifth full year following the calendar year in which any point was earned. Points redeemed or canceled due to expiration are determined on a first-in, first-out basis. Points and rewards cannot be used as payment on accounts at UMB Bank, n.a. or any of its affiliates and are not transferable. However, if you notify us that your Card is lost or stolen, we will transfer your Points and your anniversary participation date from your old Card to your new Card.

 6. The Rewards Program is void where prohibited by federal, state or local law. You are responsible for determination and payment of any personal tax liability relating to your participation in the Program or awards you redeem.

7. Issuer reserves the right to deny or cancel your membership in the Rewards program due to a violation of Program rules, suspected fraud or abuse of privileges.

8. The Rewards Program and benefits are offered at the sole discretion of Issuer. Issuer reserves the right to modify or change any Program benefit or feature, prospectively or retroactively; including, without limitation, point accrual, redemption criteria, reward options, and to cancel or suspend the Rewards Program at any time upon notice to participants. 

9. You agree that Issuer may provide certain account and transaction information to third parties to enable them to administer the Program.

10. Rewards accumulated are not the property of the cardholder and cannot be bought, sold, or transferred (including upon your death or as part of a domestic relations settlement). Any abuse of the Program terms, or misrepresentation by a cardholder will make the cardholder ineligible to earn further rewards under the Rewards Program.