Frequently Asked Questions
How does opening a credit card with UMB benefit bear hunting?
A. UMB will donate $50 to Bear Hunting Magazine for each approved application that is activated and used within 90 days of approval. Bear Hunting Magazine will then use the money received to help support and defend bear hunting at local and national levels. Additionally, a percentage of every retail purchase made using the card will also be donated.
Q. Who is UMB?
A. UMB is a multi-bank, multi-billion dollar holding company headquartered in Kansas City, Missouri. They were ranked by Smart Money as "the highest-scoring traditional bank among our favorites and by Forbes as the #2 "best" bank in the U.S." As 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. No, there is no annual fee.*
Q. What is the annual percentage rate (APR) on the card? *
A. 0% introductory APR for six months. After the introductory period, the interest rate will be the Wall Street Prime rate + 9.74%, currently 12.99%.
Q. Can I apply over the phone?
A. Unfortunately, not at this time.
Q. How can I get an application by mail?
A. Paper applications will be available at certain Bear Hunting Magazine events or by contacting info@bear-hunting.com. We encourage you to apply securely online to help us reduce marketing and processing costs.
Q. When I apply for the card, will my transaction be secure?
A. Yes. Your application will be transmitted to UMB through an encrypted security page.
Do I have to activate and use the card within a certain time period for the $50 donation to be made?
A. Yes. But you only need to use the card once within the first 90 days for us to receive the $50 donation. Of course, we encourage you to make it your primary card because a percentage of every retail purchase will also be donated to support bear hunting at no additional cost to you.
Q. How does the rewards program work?
A. Simply use your card anywhere VISA is accepted and earn points for every dollar spent. Bonus points can be earned at the participating on-line retailers listed on rewards.umb.com (Click on Browse Only to preview the rewards program):
Your earned Rewards points will automatically be credited to your 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 (Click on Browse Only to preview the rewards program) for more details.
Q. Do my points expire?
A. Points expire after 5 years. For more information on Program Rules, please see the Rewards Program Rules disclosure that will accompany your card.
Q. How do I redeem my points?
A. Simply go to online redemptions site at rewards.umb.com (Click on Browse Only to preview the rewards program)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.
* 0% APR only on purchases and balance transfers initiated during the first six months. No balance transfer fee will be imposed for balance transfers initiated during the introductory rate period. Thereafter, rates will vary. Rate and fee information is accurate as of February 22, 2012.
