How to Apply for the UMB Visa Credit Card

Clients of UMB Bank may be interested in their UMB Visa Credit Card, a standard Visa card with a few nice perks, including but not limited to auto rental insurance, travel insurance and travel emergency aid. Applying for this card is simple, but to facilitate the process we have created the tutorial below.

Before applying please read through the UMB Privacy Policy to understand how your sensitive information will be handled by UMB.


Please make sure you meet these UMB requirements before applying:

  • Be at least 18 years old
  • Have a valid Social Security Number
  • Have a valid US Street Address

How to Apply

In order to apply you must first navigate to this webpage. From here, click APPLY NOW to be redirected to the secure application page.



Step 1- General Information

You are now in the secure page. Enter the following information so that UMB can identify you and secure a credit report:

  • Full Name
  • Birthdate
  • Social Security Number
  • Mother’s Maiden Name
  • Email Address
  • Address
  • Length of Time at Address
  • Phone Number(s)





Step 2- Financial Information

UMB must construct a financial profile of you the applicant in order to fully evaluate your creditworthiness. For this you will need to enter the following information:

  • Employment Status
  • Position
  • Employer Name
  • Length of Employment
  • Previous Employer Name
  • Previous Position
  • Previous Length of Employment
  • Work Phone
  • Residence Status
  • Monthly Housing Payment
  • Primary Financial Institution
  • Gross Annual Salary
  • Gross Annual Other Income
  • Other Income Source (Optional)



Step 3- Authorized User

You may add 1 authorized user to your account at this point. Enter their name, birthdate and relation to you in order to do this. Keep in mind that you as the primary account holder will be ultimately responsible for all bills and fees.



Step 4- Authorization

Review the Terms and Conditions and Pricing Information before submitting your application.

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