**UPDATE 5/17/21 - 8 days after the account was open they closed it stating I no longer meet the minimum requirements due to excessive inquiries. Two additional inquiries were added after I submitted this application. UMB spent about 2 weeks reviewing the applications. To add insult to injury the day they closed my account credit karma sent an email stating"A hard inquiry was blocked on 05/07/21 because your TransUnion report is frozen". Thank goodness I keep all my reports frozen!
There was no sign-up bonus, the points are difficult to redeem compared to other mainstream cards, and the card services website looks dated, but I didn't learn this until after I got the card. The main benefit was the 2.64% back from shopping at Costco or Walmart, but I have other cards that earn comparable or better rates.
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First Bank Virginia (card issued by UMB bank)
Simply Rewards Visa
Knowing I was outside UMB bank's footprints, I took the advice of members and applied through an affiliate.
Pulled: Transunion
When Applied: Inquiries 4th inquiry ( All within one week) for the entire year.
Pulled: Transunion
No confirmation email indicating application received
Requested:
- Driver license
- Utility bill
- Rental agreement
Approved $5,000.00
Verified by phone call
No congratulations email. 
Given UMB bank's conservative reputation, I feel privileged to be a part of their family!
Side Note: UMB's staff is friendly & incredibly responsive! Unlike (cough, cough) Barclay's 
Credit Goal: Lender Diversity
@ilove2learn wrote:First Bank Virginia (card issued by UMB bank)
Simply Rewards Visa
Knowing I was outside UMB bank's footprints, I took the advice of members and applied through an affiliate.
Pulled: Transunion
When Applied: Inquiries 4th inquiry ( All within one week) for the entire year.
Pulled: Transunion
No confirmation email indicating application received
Requested:
- Driver license
- Utility bill
- Rental agreement
Approved $5,000.00
Verified by phone call
No congratulations email.
Given UMB bank's conservative reputation, I feel privileged to be a part of their family!
Side Note: UMB's staff is friendly & incredibly responsive! Unlike (cough, cough) Barclay's
Credit Goal: Lender Diversity
Congratulations on your UMB approval 🥳🥳🥳 and attaining more towards your Lender Diversity Credit Goal! 👏🏻👏🏻👏🏻
Congratulations on the First Bank Virginia $5k approval!
Congrats on the approval!
Grats on the approval 
Congrats!
