“Save money & help others”

Kindness Card FAQ

Q. How does opening a credit card with UMB benefit my favorite selected Non-Profit?
A. The favorite selected Non-Profit receives $10 for each approved application that is activated and used within 90 days of approval*. Ongoing Contributions are made when you use the card.**

Q. Who is UMB?
A. UMB is a multi-bank, multi-billion dollar holding company headquartered in Kansas City, Missouri. They are a leading card issuer with nearly 40 years of credit card experience, UMB offers a wide range of consumer and commercial Visa and private label products. For more information, visit www.umb.com

Q. Is there an annual fee?
A. Please click here for the most updated pricing and fees disclosure.

Q. What is the annual percentage rate (APR) on the card?
A. Please click here for the most updated pricing and fees disclosure.

Q. Can I apply over the phone?
A. Unfortunately, not at this time.

Q. When I apply for the card, will my transaction be secure?
A. Yes. Your application will be transmitted to UMB through an encrypted secure page.

Q. Do I have to activate and use the card within a certain time period for my favorite Non-Profit to receive the $10?
A. Yes. But you only need to use the card to make a purchase once within the first 90 days for the Non-Profit to receive the $10. Of course, we encourage you to make it your primary card because your favorite Non-Profit will receive a percentage of every retail purchase at no additional cost to you.

Q. How does the rewards program work?
A. Simply use your card at the participating retailers listed on rewards.umb.com:

  • To earn Bonus Rewards points shopping in-store, make sure you use your card for all your purchases. An up-to-date and complete list of participating retailers can always be located on the Bonus Rewards Web site.
  • To earn Bonus Rewards points for online purchases, you must access participating retailers through the Bonus Rewards Web site and use the link provided to make your purchases. If you do not use the link to shop, you will not earn Bonus Rewards points on your transactions.

Your earned Bonus Rewards points will automatically be credited to your Bonus Rewards Activity account and can be found on your monthly statement.

Q. What can I redeem for with my points earned?
A. You can redeem your points for name-brand merchandise, gift cards, travel, event tickets and activities. For more information about redemptions options, please visit rewards.umb.com for more details.

Q. Do my points expire?
A. Points expire after 5 years.***

Q. How do I redeem my points?
A. Simply go to online redemptions site at rewards.umb.com to redeem your points.

Q. If I have another question about Bonus Rewards not listed above, who can I contact?
A. Please contact customer service at 800-821-4115.


*For more information about selecting your non-profit, please visit www.commonkindness.com before applying.

**Ongoing contributions are distributed among all eligible non-profits.  For more information about ongoing contribution, please visit www.commonkindness.com/more/kindness-card

***For More information on Program Rules, please see Rewards Program Rules disclosure that will accompany your card.