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Personal Credit Card

Get great rewards and a low APR with our Visa Credit Card

Get rewarded for your purchases, enjoy a low APR, and take advantage of worldwide purchasing power.

All the things you need in a credit card and more. Every time you use your First Bank Simply Rewards Visa Credit Card, you'll earn points to redeem for account credits, gift cards, travel, entertainment and more.1

Our First Bank Simply RewardsTM Visa Credit Card is chip-enabled providing enhanced security features during transactions.
3x the points
  • Grocery stores
  • Discount stores
  • Gas stations
  • Restaurants and fast food
1x the points
All other purchases
Easy to redeem
  • Access your account to see how many points you've earned through online banking or your monthly statement.
  • Redeem your reward points for Account Credits, Gift Cards, Travel, Entertainment and more.1
Additional Visa benefits
  • Visa's Zero Liability Fraud Protection Policy means you won't be held responsible for any unauthorized charges made with your card or account information.2
  • Other benefits include auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more.3

Report fraud, lost, or stolen credit cards

Please report fraud or lost or stolen credit cards 24/7 by calling 1-800-821-5184.


Have questions?

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Cards issued by UMB Bank, n.a. 1Cardholders earn 3 points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards Rules for details. 2Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer. 3See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.