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Manage your business expenses with ease

With a Visa Business Credit Card you can simplify the way you spend and manage your expenses and cash flow - so you can get back to business.

Visa Credit Card Features

  • 2X Points per dollar in top two merchant categories each month
  • 1X Point per dollar everywhere else Visa is accepted
  • Cardholders can redeem points for cash back, gift cards, merchandise, travel, event tickets & more
  • Contactless card: Look, tap & go
  • 0% Purchase APR2 for 9 months
  • No annual fee per card
  • Cardholders can be rewarded right away. Spend $2,000 in the first 90 days from account opening and earn 20,000 Bonus Reward Points equal to $200 in account credit.

Track Spending Easily

  • Monthly Account Summaries
  • Monitor Activity Electronically by Account
  • Statement Access and Online Payment
  • Individual Spending Limits by Employee

UMB 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.

UMB Bank, n.a. is the issuer of the First National Bank Visa® Credit Card

Business Cardholder Self-Service Contacts:

Credit cards are issued by UMB Bank, n.a. under a license from Visa USA, Inc.

1 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. See the Visa Signature Business Card Rewards Program Rules for complete details about the rewards program.

2 Contact a bank associate for additional details, or to obtain a copy of the Visa Signature Business Rewards credit card application for your review.

3 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 and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC


From the everyday to the annual expense, the business check card makes your transactions simpler and safer. Learn more and apply here.

  • Use for purchases worldwide, over the phone or online
  • Accepted anywhere you can use a MasterCard
  • Works at any ATM with a Shazam, Cirrus, or MasterCard logo
  • Detailed transaction information appears on each monthly statement

Contact us for more information.

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