The thread the other day mentioning UMB Bank made me curious, so I poked around on their site a bit. Their Simplicity Rewards card looks interesting to me. Unlimited 3% cash back on gas, groceries, dinning, and discount stores. That's a big chunk of my spending. It got me thinking if this would be a good option for a super simple setup. Pair this with a 2% everything card like the Fidelity Rewards Visa and it could bring in a lot of cash with only 2 cards. A lot less hassle when you only have to log in to two places. It'd be a lot less to manage.
Anyone have this card? How is UMB Bank? Is their app user friendly?
The main UMB one is geofenced but the affinity versions arnt. ie the classic industries version https://promo2.classicindustries.com/simply-rewards-classic-visa-credit-card
Affinity, meaning Affinity FCU? The link you posted was to a car card of some sort. Help me understand what the connections here are.
Also, what is the geofenced location? Do you have to live in a state where there branches are? I know they just acquired a bank, so do those areas count, too?
@Varsity_Lu wrote:
Affinity, meaning Affinity FCU? The link you posted was to a car card of some sort. Help me understand what the connections here are.
affinity as meaning the same card just branded different. it has the same earnings.
3 X the Points on Grocery Stores, Discount Stores, Gas Stations, Restaurants, Fast Food Restaurants
Like the BoA Custom Cash vs the Susan G Komen custom cash, or the american quarter assn horse custom cash, its the same card just branded different.
Also geofenced to locations they have a physical presence
UMB Bank branches and ATMs are located in the following states:
So, Classic Industries is a company that offers the Simplicity Rewards Visa. Got it. Is there a list of other companies and/or banks that offer the affinity version?
here is an older list from DoC https://www.doctorofcredit.com/umb-simply-rewards-visa-credit-card-review-3x-gas-grocery-discount-re...
Thanks for the list. I sort of know what to search for now and found the American Hereford Association offers this card. Beef! Any other organizations beside this and Classic Industries?
I don't know what intrigues me about this card. It's kind of like the Savor and BCE put together. Not excalty, but close. I guess I am just drawn to consolidating and carrying less cards.
I have this card. I used it pretty often but now I have the Redstone Visa (got during the brief period of time when the card wasn't geofenced) which is similar 3% categories and is 5% in restaurants and gas. That has a cap whereas the UMB card is unlimited, so if my spending ever increases a lot, I'll definitely be using it more.
I've noted that UMB seems to send balance transfer offers regularly. The most recent was a few months ago and I believe was a 3% fee and 12 months no interest. Not too shabby since most of the ones I've gotten from other banks are 5% fee for not even a year.
