Frequently Asked Questions

Q. Who is UMB?

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

Q. Is there an annual fee?

A. Please click here for the most updated pricing and fee information.

Q. What is the annual percentage rate (APR) on the card? *

A. Please click here for the most updated pricing and fee information.

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 Great Kosher Restaurants Magazine events or by contacting 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.

Q. Do I have to activate and use the card within a certain time period to get VIP status?

A. Yes. But you only need to use the card once within the first 90 days to receive the VIP status. Of course, we encourage you to make it your primary card because you will earn points towards rewards or statement credit as well as receiving great promotions when you use it at participating kosher restaurants.

Q. How does the rewards program work?

A. Simply use your card at the participating retailers listed on

  • 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, statement credit, event tickets and activities. For more information about redemptions options, please visit 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 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.

Use this card to become a VIP member for special discounts and offers at your favorite kosher restaurants.
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