What rewards are available with a BankIowa credit card?

Eligible cardholders can earn rewards points on qualifying purchases and redeem points for merchandise, gift cards, statement credits, travel, experiences, and entertainment.

How can cardholders manage their credit card account?

Cardholders can access account information online to view transactions, pay bills, set alerts, track spending, and access eStatements.

Does the credit card include fraud protection benefits?

Credit card benefits include fraud protection and additional Visa cardholder benefits as outlined by the card program.

Credit Cards

BankIowa Simply Rewards^® Visa^® Signature Credit Card. Your Life. Your Choice.

Maximize your everyday spending with our rewards program and unlock numerous additional benefits through your Visa^® card. From cashback and discounts to travel perks and purchase protection, your Visa^® card from BankIowa is your key to enhanced financial benefits. Elevate your shopping experience and enjoy the added advantages that make every purchase more rewarding.

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Choose the credit card that fits your lifestyle. While other cards have complicated rewards programs, we make it easy to earn points on everyday purchases.

Earn More on Everyday Purchases¹

Earn 3X points per dollar spent at:
Grocery stores
Gas stations
Discount stores
Restaurants and fast food

Earn 1 point per dollar on all other purchases.

There is no rewards cap, and your points remain available for up to 5 years.

Flexible Redemption Options

Redeem your points through CardCenterDirect.com for:

Merchandise
Gift cards
Statement credits
Travel
Experiences and entertainment

Take Control of Your Account

Access your account anytime through CardCenterDirect.com.

View transactions
Pay bills
Set alerts
Track spending

Includes eStatements with up to 18 months of history

Built-In Protection and Benefits²

Enjoy peace of mind with Visa Signature benefits, including:

Fraud Protection with Visa’s Zero Liability Policy³
Auto rental coverage
Concierge services
Emergency cash assistance
Travel and emergency support
Purchase security and warranty management

Tap. Pay. Go.

Use your contactless chip-enabled card for fast, secure transactions.
Add your card to your mobile wallet for even more convenience.

Digital Wallets

Mobile pay supported!

Ask today about program details!

Apply Now

Emergency Numbers for Lost or Stolen Cards

BankIowa/UMB VISA Credit Card - call 1-800-821-5184 for 24/7 service

Cardholder Self-Service Contacts

Online Account Access - www.cardcenterdirect.com
Rewards Points Redemption - www.cardcenterdirect.com
Customer Service - 1-800-821-5184

Disclosures

Credit cards are issued by UMB Bank, n.a. under a license from Visa USA, Inc.
1 Cardholders earn three (3) points per dollar on Net Purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn one (1) point per dollar on all other Net Purchases. See Simply Rewards Rules for details.
2 1.If you are approved with a credit line that is equal to or greater than $5,000, a Visa Signature account will be issued, and if the credit line is less than $5,000, a Visa Platinum account will be issued. The benefits of Visa Platinum accounts differ from Visa Signature accounts. See Guide to Benefits and Cardholder Agreement that accompany your card for details. Certain terms and conditions apply.
3 Visa’s Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult the issuer, UMB Bank, n.a. (1.800.821.5184)

See card application for important rate, fee and program information.
Subject to credit approval.
* The Contactless Symbol and Contactless indicator are trademarks owned by and used with permission of EMVCo, LLC. Cards issued by UMB Bank, n.a.