Business Credit Card

Reward your business with every purchase

The Visa Signature® Business Rewards Credit Card, offered through First National Bank's relationship with UMB Bank, helps you manage everyday business expenses while earning rewards on the purchases your business makes most. With flexible account management tools, employee card options, and valuable business benefits, it's a smart way to simplify spending and maximize purchasing power.

Download the Application

Is a Business Credit Card Right for You?

A Business Credit Card may be a good fit if you

• Want to earn rewards on everyday business purchases 
• Need to manage expenses across multiple employees or departments
• Prefer flexible payment options and online account management tools

Benefits & Features

Benefits

• Earn more on the purchases your business makes most with 2X reward points in your top two spending categories each month and 1X point on all other eligible purchases
• Manage business expenses with confidence using employee cards, spending controls, detailed reporting, and online account management 
• Enjoy added value and security with no annual fee, digital wallet compatibility, Zero Liability fraud protection, and Visa Signature® Business benefits

Features

• No annual fee, 0.00% introductory APR on purchases for the first nine billing cycles (then a variable APR), and a welcome bonus opportunity after qualifying purchases
• Contactless payment capability with support for Apple Pay®, Samsung Pay®, Garmin Pay™, and Fitbit Pay™¹
• Online account management with transaction downloads for Excel®, Quicken®, QuickBooks®, and .csv files, plus flexible billing options for individual or consolidated accounts 

Why First National Bank?

At First National Bank, we understand that managing business expenses requires the right tools and trusted support. Through our partnership with UMB Bank, we offer a business credit card that combines rewarding purchasing power with convenient expense management features. Our local bankers are here to answer your questions and help guide you through the application process, so you can choose the solution that best supports your business.

Ready to Start Earning Rewards?

Download the Business Credit Card application, complete it, and fax it directly to UMB at 816-860-3152.  If you have questions or would like assistance with the application process, our team is happy to help.

Download the Application

Contact a Banker

Business Cardholder Self-Service Contacts

The UMB Commercial Card Center provides quick access to manage your account at your convenience. You will be able to take advantage of the following services: make payments online; download transaction history; access and print PDF statements; and company level account administration. 

UMB Customer Service: Call 1-888-494-5141.

¹UMB Bank, n.a., the top-rated lead bank of UMB Financial Corporation (NASDAQ:UMBF) – a financial holding company based in Kansas City, Missouri; is the issuer of the credit card.

1. Subject to credit approval. Rates and fees subject to change.
2. The Program Member's Control Account or the Cardholders account (if cards are billed to an individual Cardholder) earn two (2) Points for each dollar on Net Purchases that fall within the top two (2) merchant category codes (MCCs) for that month, based on the total dollar volume of Net Purchases in each category. We will use the MCCs assigned by the Card Network to identify your Net Purchases that qualify for accelerated Points earning. Certain conditions, restrictions, and exclusions apply. See the Visa Signature Business Rewards Program Rules for complete details about the rewards program.
3. APR for Purchases: 0.00% introductory APR for nine months. After that, your Purchase APR will be 17.49% (quote based on the Prime Rate in effect as of January 1, 2026).
4. Within 90 days of opening your new Visa Signature Business credit card account, approved applicants must use their card(s) to make $2,000 in Net Purchases to receive 20,000 bonus points. Bonus point eligibility will be determined by combining Sub Account Net Purchases to the Program Member's Control Account, or by an individual Cardholder's Net Purchases if the individual Cardholder receives a bill. Bonus Points will be applied to your account within 45 days of meeting the spend requirement. The following transactions are excluded from "Purchases" and do not earn rewards points: cash advances, returns, finance charges and credit card interest or fees.

*The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.