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Business Credit Card
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BUSINESS CREDIT CARD
Visa Signature® Business Rewards Credit Card
Through our relationship with UMB Bank, First National Bank offers its business customers a credit card option known as Visa Signature Business Rewards.
Why Choose This Card?
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Earn 2x points on your top two spending categories each month - no need to track categories.
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Adjust categories as your business needs change.
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Enjoy a full suite of benefits and features that make managing expenses smarter.
Ready to Apply?
Select the "Click Here" button to download the application. Complete it and send via fax to 816-860-3152 or email to [email protected]. UMB issues cards to eligible applicants.
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Need Help?
Our team is here to guide you through the process. Call us at 515-232-5561, and we'll walk you through the application step by step.
Additional Details
Visa Signature Business Rewards Credit Card Features and Benefits
- No annual fee
- Earn Rewards:
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2X points per dollar in your top two monthly merchant categories
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1X point per dollar on all other purchases
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No point limits, no activation, no rotating categories
- Bonus Offer: Spend $2,000 in the first 90 days and earn 20,000 bonus points
- Intro APR: 0.00% for the first 9 billing cycles on purchases; then variable APR based on Prime Rate
- Easy Redemption: Redeem rewards online anytime, 24/7
- Contactless & Digital Wallet Ready: Apple Pay, Samsung Pay, Garmin Pay, Fitbit Pay
- Fraud Protection: Zero Liability for unauthorized transactions
- Flexible Billing: Consolidated or individual card options
Account Management Tools:
- Track balances and transactions online
- Set spending limits for employee cards
- Add, activate, or close cards easily
- Make one-time or recurring electronic payments
- Access up to 13 months of transaction detail
- Download transactions into Excel®, Quicken®, or QuickBooks® or use .csv files
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.
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.
- Subject to credit approval. Rates and fees subject to change.
- 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.
- APR for Purchases: 0.00% introductory APR for nine months. After that, your Purchase APR will be 15.99% (quote based on the Prime Rate in effect as of April 1, 2022).
- 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.