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.
This is a business credit card designed for small and large businesses alike who want to earn rewards every month and not be concerned about which categories your credit card points come from. Every dollar you save is a dollar that enhances your bottom line.
With the Visa Signature Business Rewards credit card1 you will earn two times points for the top two spend categories each month. That is a smart business move.
The Visa Signature Business Rewards credit card1 put you in the driver's seat of your rewards. You're never locked into a couple spend categories. As your expenses and needs change, you can change your categories.
But wait, there's more! See all of the benefits and features of Visa Signature Business Rewards below.
How to Apply
Click on the "Apply Now" button to view and download the application. Complete the application according to the printed instructions. Once completed, you may fax your application to 816-860-3152 or email it to [email protected].
UMB determines business creditworthiness and will issue cards to eligible applicants. Questions or inquiries regarding the status of your application may be directed to: [email protected]
Visa Signature Business Rewards Credit Card Features and Benefits
- No annual fee
- 2X Points per dollar in top two merchant categories each month
- 1X Point per dollar on purchases everywhere else Visa is accepted2
- Enjoy no limits on the amount of points you can earn. No offers to activate. No categories to remember.
- Online reward redemption available 24/7, 365 days a year
- 0.00% Introductory APR for the first 9 billing cycles following account opening on purchases.3 Then a variable APR based on creditworthiness will apply. This APR will vary with the market based on the Prime Rate. See application for detailed rate information.
- Spend $2,000 in the first 90 days from account opening and earn 20,000 Bonus Reward Points4
- Contactless technology. Pay for everyday purchases faster and with greater convenience than every before.
- Your card is Digital Wallet-enabled to handle all your mobile wallets: Apple Pay, Samsung Pay, Garmin Pay, fitbit pay.
- Consolidated and individual card billing options
- Fraud protection. If your Visa Business card is ever lost or stolen, your company is protected against fraudulent use of the card, including transactions made via telephone or on the Internet with the Zero Liability Fraud Protection.
Track Spending Easily
- Check your current balance and view pending transactions online
- Set individual spending limits for employee cards
- Add, activate, or close cards
- Make payments electronically or schedule recurring payments
- Access up to 13 months of transaction detail
- Monthly Account Summaries
- 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.
- 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.