$150
After you spend $1,500 on purchases on your new card in your first 3 months of card membership.
- 1.5%Everywhere
Annual Fee
$0
Rec. Credit
Good
UMB Bank
UMB Travel Select
The UMB Travel Select is built for cardholders who spend regularly on travel and want simple cash back without paying an annual fee. It works best as a specialist card for airfare, hotels, cruises, and car rentals, not as your main everyday card.
Welcome Offer
$150
Annual Fee
$0
Rec. Credit Score
Good
Good For
No-fee travel spenders
All information about UMB Travel Select has been collected independently by MaxRewards. UMB Travel Select is no longer available through MaxRewards.
Is the UMB Travel Select worth it?
This card is great for...
Airfare and hotel bookings
Cruise and resort purchases
No-fee travel cash back
This card is worth a look if you want straightforward cash back on travel purchases and do not care about airport lounges, transfer partners, or premium travel perks. Earning 3% back on a broad set of travel purchases with a $0 annual fee is easy to understand, and that makes it a reasonable fit for occasional travelers who book paid trips and want a simple return.
The tradeoff is that the card does very little outside those travel categories. Since it earns just 1% everywhere else and comes with no listed benefits, it is not a strong one-card solution. Most readers should think of it as a travel spending card to pair with a stronger everyday card, rather than a card to use for all purchases.
MaxRewards Verdict
A solid fit for someone who wants simple, no-fee cash back on paid travel purchases. Its main limitation is clear: outside travel spending, the card does not give you much reason to keep it at the top of your wallet.
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?
You should easily hit the bonus threshold with this spend!
Rewards
The rewards setup here is simple cash back. You get elevated earnings on common travel purchases, then a basic 1% back on everything else, so the value depends on how often you pay for trips with the card.
CategoryEst. yearly spendRateRewards
Airline
Est. yearly spend
Rate3%
Rewards$0$0
Car Rental
Est. yearly spend
Rate3%
Rewards$0$0
Cruise
Est. yearly spend
Rate3%
Rewards$0$0
Hotel
Est. yearly spend
Rate3%
Rewards$0$0
Resort
Est. yearly spend
Rate3%
Rewards$0$0
Everywhere
Est. yearly spend
Rate1%
Rewards$0$0
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.
Rates & Fees
Annual Fee
$0
Purchase APR
17.24% - 25.24%
Variable
Transfer APR
17.24% - 25.24%
Variable
Cash Advance APR
30.24%
Variable
Foreign Transaction Fee
None
Balance Transfer
$15
Cash Advance
$15
Late Payment
$38
Return Payment
$38
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from UMB Bank
$150
After you spend $1,500 on purchases on your new card in your first 3 months of card membership.
- 3%Dining
- 3%Gas
- 3%Grocery
Annual Fee
$0
Rec. Credit
Good
- 1.35%Everywhere
Annual Fee
$0
Rec. Credit
Excellent