Before you read the numbers.
The purchase rate was read from a row the document did not label explicitly, so it carries more uncertainty than the other figures here.
Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Purchase APR | 22.99% (variable) |
|---|---|
| Grace period | 21 days |
Analysis
This UMB Bank filing resists summarising: the standard rate and fee disclosures are not present in readable form. The PDF is the source of record.
What could be read, and what could not
The disclosure captured from this document is thin: a few fields, and not the ones that usually matter most.
What did come through: a purchase APR of 22.99% and a 21-day grace period. That is the whole of it.
Padding this page with generalities about UMB Bank or about credit cards at large would not make it more useful. The filed PDF is linked above; for this agreement it is the only reliable source, and it should be read directly.
What is outside the disclosure
The disclosure parsed here does not state anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.
More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.
The document itself
This summary stands or falls on the linked PDF — one page. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.
In short
With the disclosure table unreadable, any summary would be guesswork. The filed agreement stands as the only statement of these terms.
The source document
This page is a reading of one document: the cardholder agreement UMB Bank filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by UMB Bank, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from UMB Bank
-
Sports and Entertainment Co brand Card Pricing Addendum
Agreement filed with the CFPB
- Purchase APR
- 22.99%
-
Card Services Visa Card Pricing Addendum
Agreement filed with the CFPB
- Purchase APR
- 24.99%
- Annual fee
- $0
- Intro APR
- 32%
- Foreign tx fee
- 2%
-
Visa Card with Variable APR Pricing Addendum
Agreement filed with the CFPB
- Purchase APR
- 24.99%
- Annual fee
- $0
- Intro APR
- 32%
- Foreign tx fee
- 2%
-
Private Label Card Pricing Addendum
Agreement filed with the CFPB
- Purchase APR
- 18%
- Annual fee
- $0
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.