UMB Travel Select
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 Travel Select from UMB Bank earns up to 1% 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%
- 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 1x points. The welcome bonus can help if you can meet the spend requirement.
What does the UMB Travel Select earn in each category?
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how UMB Travel Select compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight flights at.
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how UMB Travel Select compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
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 Travel Select?
The UMB Travel Select fits spenders who put meaningful volume in dining and can earn 1x points. Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
UMB Travel Select fits spenders who put meaningful volume in dining and can earn 1x points. Madeen ranks its dining effective rate higher than about 2% 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 1x 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% effective (1x 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 Travel Select welcome bonus?
In Madeen's catalog snapshot, the UMB Travel Select 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 Travel Select have an annual fee?
The UMB Travel Select 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 Travel Select?
The UMB Travel Select 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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Auto Rental Insurance
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Related encyclopedia topics
- Visa
- Rental car insurance
- Shopping and dining network perks
- Credit score monitoring
- Global Entry / TSA PreCheck credit
- Golf Benefits from Troon Rewards
- Dining credit
- Priority Pass lounge access
- Roadside Dispatch
- Streaming or digital credit
- Stay connected in over 175 countries
- Travel Accident Insurance
Common questions about the UMB Travel Select
Where do cardholders spend most with the UMB Travel Select?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on flights (3x), lodging (3x), other travel (3x) for the UMB Travel Select. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the UMB Travel Select have an annual fee?
The UMB Travel Select 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 Travel Select?
Dining is the strongest Madeen category for the UMB Travel Select at about 1% 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 Travel Select charge foreign transaction fees?
The UMB Travel Select 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 Travel Select welcome bonus?
The UMB Travel Select 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 Travel Select?
Madeen's catalog lists a typical credit range of Good for the UMB Travel Select. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the UMB Travel Select compare to similar cards?
Compare the UMB Travel Select against UMB Simply Rewards (3% on Dining, $0 fee); UMB Direct Cash (1.5% 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 Travel Select This card | Dining | 1% | $0 |
UMB Bank | Dining | 3% | $0 |
UMB Bank | Dining | 1.5% | $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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See how this card ranks in your wallet
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