UMB Simply Rewards

UMB Simply Rewards is built for cardholders who want straightforward cash back on common household spending without paying an annual fee. It works best as an everyday card for families and commuters who spend regularly on groceries, gas, dining, and even wholesale club purchases.

Welcome Offer

$150

Annual Fee

Rec. Credit Score

Good

Good For

Everyday household spending

How to Apply Estimate your value

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

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the UMB Simply Rewards worth it?

This card is great for...

Grocery and gas runs

Dining and takeout

Wholesale club purchases

Yes, this card is worth a look if a big share of your monthly budget goes to groceries, gas, dining, and wholesale clubs. Earning 3% back across all four of those categories is a practical setup for day-to-day spending, and the $0 annual fee means you do not need extra perks or credits to come out ahead. The welcome offer is modest, but solid for a no-annual-fee cash-back card.

The tradeoff is that this is a fairly simple card with no listed travel or purchase benefits to widen its appeal. If you want stronger protections, richer flat-rate earnings on non-bonus spending, or a more premium set of perks, you will likely want a different card. But for someone who values uncomplicated cash back in the places they already spend, this card makes sense.

MaxRewards Verdict

UMB Simply Rewards is a good fit for everyday spenders who want solid cash back in practical categories and do not care about extras. Its main limitation is simple: outside those bonus categories, it is just a basic 1% cash-back card.

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

Earning

Rewards

This card keeps rewards easy to follow: 3% back in several common spending categories, then 1% back everywhere else. The key question is whether your budget naturally leans toward groceries, gas, dining, and wholesale clubs often enough to make it your regular wallet card.

CategoryRate

Dining

Gas

Grocery

Wholesale Club

Everywhere

Eligibility

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.

Pricing