Credit Cards

BankIowa Simply Rewards^® Visa^® Signature Credit Card. Your Life. Your Choice.

Maximize your everyday spending with our rewards program and unlock numerous additional benefits through your Visa^® card. From cashback and discounts to travel perks and purchase protection, your Visa^® card from BankIowa is your key to enhanced financial benefits. Elevate your shopping experience and enjoy the added advantages that make every purchase more rewarding.

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Choose the credit card that fits your lifestyle. While other cards have complicated rewards programs, we make it easy to earn points on everyday purchases.

Benefits

Rewards Points Earned¹
- 3X points per dollar spent; grocery stores, gas stations, discount stores, restaurants and fast food
- 1 point per dollar spent on all other net purchases
Rewards Point Cap
- No rewards cap, but points do expire after 5 years
Redemption Type
- Redemption through CardCenterDirect.com for merchandise, gift card, statement credit, travel, experiences, and entertainment
Online Credit Control
- Log into CardCenterDirect.com to enroll, view transactions, pay bills, set alerts, and track expenses
- Includes eStatements with 18 months of history

Visa Signature Benefits²

Fraud Protection with Visa's Zero Liability Policy³, which means you won't be held responsible for any unauthorized charges made with your card or account information
Auto rental coverage, concierge services, emergency cash, travel and emergency assistance, purchase security, warranty manager, and more2
Contactless chip-enabled card to provide enhanced security and help protect against fraud

Digital Wallets

Mobile pay supported!

Ask today about program details!

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Emergency Numbers for Lost or Stolen Cards

BankIowa/UMB VISA Credit Card - call 1-800-821-5184 for 24/7 service

Cardholder Self-Service Contacts

Online Account Access - www.cardcenterdirect.com
Rewards Points Redemption - www.cardcenterdirect.com
Customer Service - 1-800-821-5184

Credit cards are issued by UMB Bank, n.a. under a license from Visa USA, Inc.
1 Cardholders earn three (3) points per dollar on Net Purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn one (1) point per dollar on all other Net Purchases. See Simply Rewards Rules for details.
2 If you are approved with a credit line that is equal to or greater than $5,000, a Visa Signature account will be issued, and if the credit line is less than $5,000, a Visa Platinum account will be issued. The benefits of Visa Platinum accounts differ from Visa Signature accounts. See Guide to Benefits and Cardholder Agreement that accompany your card for details. Certain terms and conditions apply.
3 Visa’s Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult the issuer, UMB Bank, n.a.
See card application for important rate, fee and program information.
* The Contactless Symbol and Contactless indicator are trademarks owned by and used with permission of EMVCo, LLC. Cards issued by UMB Bank, n.a.
See card application for important rate, fee and program information.
Subject to credit approval.

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