Giving Card - Frequently Asked Questions

Frequently Asked Questions

Q. How is this card better than the one I already carry?
A.
We only wanted to offer our members an affinity card if we thought it was the best card on the market. Well, we think we found it!

With competitive rates and terms and a rewards program that gets you further on a plane and more cash back per point than most any rewards program you will find on the market today, we think you’ll appreciate this great value. Additional enhanced features include roadside assistance, purchase security, warranty manager, and auto rental collision and theft coverage. Plus get points for balance transfers, interest billed and up to 15 points per dollar at select online retailers*.

Q. Is there an annual fee?
A.
Please click herefor the most updated pricing and fees disclosure.

Q. What is the annual percentage rate (APR) on the card? *
A
. Please click here for the most updated pricing and fees disclosure.

Q. How do I apply?
A.
To apply, visit http://www.cardpartner.com/app/21FD1 or contact UMB Bank’s Customer Service Team at 800 821-5184; press option 0 for assistance. Make sure you mention the Giving Card. The affiliate id should also be provided: 21FD1

Q. Can I apply over the phone?
A.
Unfortunately, not at this time.

Q. Who can I call if I have questions about the card or the featured Cause of the Month?

A. Please call our Customer Service Team at 800 705-9917.

Q. How does the Giving card work?

A. When you sign-up and are approved for the Giving Visa® Platinum Rewards Card you’ll be giving back to a featured Cause. The GiveBack will range from a one-time donation along with on-going donations based on a percentage of our proceeds from your Giving card retail transactions. It’s that simple. But, to give back, you must activate your card by making a purchase within 90 days of approval.

Q. Can I deduct the donation on my taxes?

A. No, the GiveBack amount is not tax deductible.

Q. When I apply for the card, will my transaction be secure?
A.
Yes. Your application will be transmitted to UMB through an encrypted secure page.

Q. How does the rewards program work?
A.
Simply use your card for your everyday purchases and receive 1 point for every dollar spent. You can earn Bonus Rewards points of up to 15 points per dollar when shopping at the participating retailers listed on rewards.umb.com:

  • To maximize your Bonus Rewards points while shopping in-store, make sure you use your card for all your purchases. An up-to-date and complete list of participating retailers can always be located on the Bonus Rewards Web site.
  • To earn Bonus Rewards points for online purchases, you must access participating retailers directly through the Bonus Rewards Web site and use the link provided to make your purchases. If you do not use the link to shop, you will not earn Bonus Rewards points on your transactions.

Your earned points will automatically be credited to your Rewards Points account and can be found on your monthly statement.

Q. What can I redeem for with my points earned?
A.
You can redeem your points for name-brand merchandise, gift cards, travel, event tickets and activities. For more information about redemptions options, please visit rewards.umb.com for more details.

Q. Do my points expire?
A.
Points expire after 5 years. For more information on Program Rules, please see the Rewards Program Rules disclosure that will accompany your card.

Q. How do I redeem my points?
A.
Simply go to online redemptions site at rewards.umb.com to redeem your points.

Q. If I have another question about Bonus Rewards not listed above, who can I contact?
A.
Please contact customer service at 800-821-4115.

Q. Who is the issuing bank?
A.
UMB is the issuing bank. It is a subsidiary of UMB Financial Corporation, a financial services holding company headquartered in Kansas City, Mo. As a leading card issuer with nearly 40 years of credit card experience, UMB offers a wide range of consumer and commercial Visa and private label products. For more information, visit www.umb.com.

*Please see Rewards Program Rules for details.

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