UMB Direct Cash

UMB Direct Cash is built for straightforward cash-back users who want a simple everyday card with no annual fee and no category tracking. Its value is in steady 1.5% back on every purchase, so it fits best as a low-maintenance card for general spending rather than a card for maximizing rewards in specific categories.

Welcome Offer

$150

Annual Fee

Rec. Credit Score

Good

Good For

Simple cash-back spending

How to Apply

All information about UMB Direct Cash has been collected independently by MaxRewards. UMB Direct Cash is no longer available through MaxRewards.

Is the UMB Direct Cash worth it?

This card is great for...

Everyday purchases

No-fee cash back

Single-card simplicity

This card is worth a look if you want a basic cash-back card that stays out of the way. A flat 1.5% back on everything is easy to use, the $0 annual fee keeps it low risk, and the welcome bonus is reasonable for a no-fee card.

The tradeoff is that the earning rate is only modest in a market where some no-fee cards offer 2% back across the board or higher rewards in common categories. Since there are no listed benefits to help the card stand out, its appeal is mostly about simplicity and banking with UMB. If you want one uncomplicated card for routine spending, it works fine. If your goal is stronger long-term value, there are more rewarding no-fee options.

MaxRewards Verdict

UMB Direct Cash fits someone who wants uncomplicated, no-fee cash back and is satisfied with a flat rewards rate. For most readers comparing purely on value, the lack of extra perks and the 1.5% earn rate leave it a step behind stronger no-fee cash-back cards.

Welcome Offer

$150 after you spend $1,500 on purchases on your new card in your first 3 months of card membership.

Est. Value

$150

Required Spend

$1,500

Time Frame

3 Months

Est. Value

$150

Required Spend

$1,500

Time Frame

3 Months

What's your average monthly spend?

$500

You should easily hit the bonus threshold with this spend!

Rewards

The rewards setup here is as simple as it gets: flat-rate cash back on every purchase. That makes the card easy to use day to day, but the key question is whether 1.5% everywhere is enough compared with other no-fee cards.

CategoryEst. yearly spendRateRewards

Everywhere

Est. yearly spend

Rate1.5%

Rewards

Est. Annual Rewards

Recommended Minimum Credit

Min: Good

Poor

Fair

Good

Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.