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Seems like UMB has released their promos for this quarter as well. Its 3x for fitness/pharmacy/paypal.
Do they do these every quarter? I will be at 0/12 in April and I will be 0/12 for inquiries too and I'm thinking of trying for this card now that DC is dead.
After looking back at my offers they probably do but they're targeted. I get them some quarters and sometimes I don't. Here's one from 2020:
Gonna work out great for me! I got the email also



Starting Score: 560Is this a geofencing card? I think I might get it in the future.
@Anonymous wrote:Is this a geofencing card? I think I might get it in the future.
The main card is usually geofenced to UMBs banking footprint but there are multiple affinity versions through partner banks/orgs that aren't.
Thanks!
@issac2x wrote:
@Anonymous wrote:Is this a geofencing card? I think I might get it in the future.
The main card is usually geofenced to UMBs banking footprint but there are multiple affinity versions through partner banks/orgs that aren't.
Mine is an affinity version. Originally linked to the card through the AFBA (Armed Forces Benefits Association) which used to offer banking products in addition to insurance. Their provider at the time in the 1990's was 5-Star-Bank (Colorado). Later, 5-Star-Bank spun off the card servicing to UMB.
The first card I had was supposed to be a no-frills low-APR rate version. The first UMB card had their Credit Union Rewards program in the early 2000's that was basically 1% (or even less) back, depending on redemption. Several years ago, I was able to product change it into the "Simply Rewards" product even though the card looks completely different.

























@Aim_HighMine is an affinity version. Originally linked to the card through the AFBA (Armed Forces Benefits Association) which used to offer banking products in addition to insurance. Their provider at the time in the 1990's was 5-Star-Bank (Colorado). Later, 5-Star-Bank spun off the card servicing to UMB.
The first card I had was supposed to be a no-frills low-APR rate version. The first UMB card had their Credit Union Rewards program in the early 2000's that was basically 1% (or even less) back, depending on redemption. Several years ago, I was able to product change it into the "Simply Rewards" product even though the card looks completely different.
In my case mine was an affinity version but since the bank I got it through (First National) discontinued their partnership with UMB they converted my account to the main card.
Thinking of accepting a mailer offer for this card. I've heard conflicting reports on if Walmart/Target usually count as discount stores for this card. Can someone enlighten me? Thsnks