UMB Direct Cash
UMB Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of UMB Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The UMB Direct Cash from UMB Bank earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: 15,000 Bonus Points when you spend $1,500 in the first 90 days of account opening..
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1.5x points. The welcome bonus can help if you can meet the spend requirement.
What does the UMB Direct Cash earn in each category?
Dining is the strongest category at 1.5% effective value (1.5x points at about 1 cents each). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how UMB Direct Cash compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.5% effective value (1.5x points at about 1 cents each). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how UMB Direct Cash compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5x points | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5x points | 1.5% |
| Gas Gas stations and fuel | 1.5x points | 1.5% |
| Travel Flights, hotels, transit | 1.5x points | 1.5% |
| Other General everyday spend | 1.5x points | 1.5% |
Madeen values UMB Points at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the UMB Direct Cash?
The UMB Direct Cash fits spenders who put meaningful volume in dining and can earn 1.5x points. Best for spenders who put meaningful volume in dining and can earn 1.5x points. The welcome bonus can help if you can meet the spend requirement.
UMB Direct Cash fits spenders who put meaningful volume in dining and can earn 1.5x points. Madeen ranks its dining effective rate higher than about 35% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.5x points. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5x points).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $2 foreign transaction fees.
- UMB Points value depends on how you redeem, not straight cash back.
What is the UMB Direct Cash welcome bonus?
In Madeen's catalog snapshot, the UMB Direct Cash welcome offer is 15,000 Bonus Points when you spend $1,500 in the first 90 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 15k UMB Points (~$150 estimated)
- Terms (catalog snapshot)
- 15,000 Bonus Points when you spend $1,500 in the first 90 days of account opening.
- Minimum spend
- $1,500
- Window
- 90Days
Does the UMB Direct Cash have an annual fee?
The UMB Direct Cash has an annual fee of $0 and a foreign transaction fee of $2. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $2
What benefits come with the UMB Direct Cash?
The UMB Direct Cash includes Auto Rental Insurance, Booking.com, Dovly Uplift™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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Common questions about the UMB Direct Cash
Does the UMB Direct Cash have an annual fee?
The UMB Direct Cash carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the UMB Direct Cash?
Dining is the strongest Madeen category for the UMB Direct Cash at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the UMB Direct Cash charge foreign transaction fees?
The UMB Direct Cash charges a foreign transaction fee of $2 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the UMB Direct Cash welcome bonus?
The UMB Direct Cash welcome offer in our snapshot: 15,000 Bonus Points when you spend $1,500 in the first 90 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the UMB Direct Cash?
Madeen's catalog lists a typical credit range of Good for the UMB Direct Cash. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the UMB Direct Cash?
Rewards on the UMB Direct Cash post as UMB Points. Redemption value depends on how you use UMB Points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the UMB Direct Cash compare to similar cards?
Compare the UMB Direct Cash against UMB Simply Rewards (3% on Dining, $0 fee); UMB Travel Select (1% on Dining, $0 fee); UMB Visa Business Rewards (0% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
UMB Direct Cash This card | Dining | 1.5% | $0 |
UMB Bank | Dining | 3% | $0 |
UMB Bank | Dining | 1% | $0 |
UMB Bank | Dining | 0% | $0 |
UMB Bank | Dining | 0% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
UMB Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of UMB Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure