Key bank rewards card

BankAmericard Cash Rewards™ Credit Card Reward

The BankAmericard Cash Rewards™ Credit Card is an appealing cash back rewards card. The 3% cash back on gas purchases and 2% cash back on groceries allow your cash back to add up quickly, but be aware that this is limited to a combined $1,500 per quarter.

Latest Update November 10, 2015

One benefit of the BankAmericard is the ability to receive your cash back rewards through several different methods. Cash back rewards can be deposited directly into a savings or checking account, credited to the account, or sent via check to the cardholder. In addition, cash back rewards can be applied directly to your mortgage. If you have an account with Bank of America, cash back rewards deposited into your checking or savings account will receive an additional 10% bonus.

Bonus offer for initial purchases

Many of the top reward cards offer a bonus with initial purchases. The BankAmericard Cash Rewards™ Credit Card offers a $100 cash back bonus if you spend $500 in the first 90 days of card ownership. This may not seem like a very large bonus, but as far as top gas credit cards go, initial purchase bonuses are rare.

Competitive introductory rates

The BankAmericard Cash Rewards™ card offers attractive introductory rates. Several of the leading credit cards offer a 0% introductory APR, but it is offered on a relatively limited basis. With the BankAmericard Cash Rewards™ card, you will get an introductory 0% APR for the first 12 months of card ownership. A few extra months of no interest can be a tool to help you manage your credit balances.

Bank of America offers several features to help you stay on top of your account. You can configure your account to receive text or email alerts reminding you when a payment is due, or notifying you that a payment was received. You can control which types of alerts you want to receive, so you don’t have to worry about being bombarded with irrelevant texts and emails.

The BankAmericard Cash Rewards™ card includes functionality that allows you to tap your credit card on the device reader to make payments. Not all retailers allow you to pay in this manner, and tap-and-pay technology is likely not a critical feature for most credit cards; however, having the option to utilize tap and pay is a bonus convenience worth noting.

Additional benefits are not as comprehensive

Some of the benefits that come with the BankAmericard Cash Rewards™ card include car rental insurance, fraud liability, extended warranty, and credit monitoring. These are all noteworthy benefits, but relative to competitor cards, benefits are lacking. Most notable are missing benefits associated with travel, like travel insurance, lost luggage insurance, flight insurance, and emergency insurance.

Although the BankAmericard Cash Rewards™ card offers a competitive 3% cash back on gas purchases and 2% cash back on groceries, the rewards are limited to $1,500 of combined net purchases per quarter. You will still be eligible for 1% cash back on these purchases after you reach this limit each quarter, but this cap is definitely a factor in the card selection process.

When you exceed your limit, the BankAmericard charges $10 for each transaction. Many similar competitor cards do not charge an over-limit fee. A $10 fee may not be particularly burdensome, but if you unknowingly made several over-limit charges, it wouldn’t take long to add up.

  • Annual Fee: $0
  • Cash Advance Fee: $10 or 3% per cash advance
  • Cash Advance Rate (APR): 22.99% - 24.99%
  • Foreign Currency Transaction Fee: 3% per transaction
  • Introductory Rate (APR): 0% for 12 months
  • Standard Rate (APR): 12.99% - 22.99%
  • Default Penalty Rate (APR): 22.99%
  • Late Payment Fee: Up to $35
  • Minimum Interest Charge: $1.50
  • Over-Limit Fee: $10 per transfer
  • Returned Payment Fee: Up to $25
  • Introductory Balance Transfer Rate (APR): 0% for 12 months
  • Standard Balance Transfer Fee: $10 or 3% per transfer
  • Standard Balance Transfer Rate (APR): 12.99% - 22.99%
  • Additional Rewards for Dining: None
  • Additional Rewards for Gas: 3% cash back ($1,500 in combined gas and grocery per quarter)
  • Additional Rewards for Groceries: 2% cash back
  • Additional Rewards for Shopping: None
  • Additional Rewards for Travel: None
  • Bonus Points Offered: None
  • Rewards Earnings for All Purchases: 1% cash back
  • Sign-Up Bonus: $100 cash back after spending $500 within first 90 days
  • Type of Reward: Cash Back

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

Key bank rewards card

We find the best of everything. How? We start with the world. We narrow down our list with expert insight and cut anything that doesn't meet our standards. We hand-test the finalists. Then, we name our top picks.


key bank rewards card

UMB Simply Rewards™ Visa Credit Card

Earn points. We'll pay you back in rewards.

Use your UMB Simply Rewards Visa ® Credit Card for all your everyday qualified purchases and earn points! From groceries to fuel to utility bills, your purchases will really pay off.

Earn 3X points per dollar spent at:

  1. Gas Stations
  2. Grocery Stores
  3. Discount Stores
  4. Restaurants and Fast Food

Earn 1 point per dollar spent on all other purchases.

Use your reward points however you like.

UMB Rewards is an easy-to-use rewards program that allows you to earn points for everyday qualified purchases made with your Simply Rewards credit card. You can use those reward points however you like. Redeem your points for things like event tickets, merchandise, travel, gift cards, green products and event account credit cash back in the following categories:

  • Gift Cards
  • Merchandise
  • Cash Back/Account Credit
  • Prepaid Cards
  • Travel
  • Green Products
  • Experiences
  • Live Concerts/Sports
  • Charitable Donations
  • Theme Parks

Redeem your rewards directly through UMB online banking

Enjoy an extensive rewards catalog with more brands, merchants, event tickets you are looking for!

Plus, enjoy these other great benefits:

  • $0 Liability Protection 2 on unauthorized purchases
  • Enjoy great Visa benefits like travel assistance services, auto rental insurance and more
  • Easy online credit card control

Apply Now and receive an Introductory 0% APR on balance transfers for 12 months 3

Click Here to view a printable version of the UMB Simply Rewards Visa Application.

  • To redeem your points, view your account balance, transaction history and make payments online simply log in to Online Banking, select the "Activity" text link for your card account and click the "Redeem Rewards" text link under the Rewards section.
  • Customer Service: Call toll-free at 800.821.5184.
  • Lost/Stolen Cards: Call 24 hours a day at 800.821.5184.

For more information, please contact us or stop by any UMB banking center to speak with a personal banking representative.

1 See the UMB Simply Rewards Visa Platinum Program Rules for complete details about the UMB Simply Rewards Visa Platinum credit card. Please see the UMB Simply Rewards Visa Signature Program Rules for complete details about the UMB Simply Rewards Visa Signature credit card. Auto rental insurance provided at no additional cost. Certain exclusions and conditions apply. MCC Codes eligible for 3 points per dollar are the following: 5411 (Grocery Stores), 5541 and 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. Credit cards are issued by UMB Bank, n.a. under license from Visa USA, Inc.

2 Visa's Zero Liability Protection 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 your issuer.

3 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening. After the first 12 billing cycles, and for balance transfers made more than 60 days from account opening, 12.99% to 18.99% (based on your credit worthiness). These APRs will vary with the market based on the Prime Rate.


key bank rewards card

Key bank rewards card

How to Apply for the Key2More Rewards MasterCard

If you have a good credit score, and are looking for a card that boasts a superb rewards program, look no further. The Key2More Rewards MasterCard is a great card if you want to pay little, and win big. This card offers 0% APR for the first 6 months, after which a very reasonable APR of 13.24% is applied. However, we recommend checking your creditworthiness because you could be stuck with an APR as high as 22.24% (APR is subject to change). Earn points by making everyday purchases and use your points for cash back or on gift cards, travel purchases, electronics, merchandise or charity donations. You will get 5 rewards points per $1 spent with no limit or expiration. You can also receive monthly bonuses by spending more than $1000 (this rewards you with an additional 25% on points already earned) or $2000 (this rewards you with an additional 50% on points already earned). And if that’s not enough, how about 10,000 points rewarded just for making 5 transactions within the first 2 months of opening an account! The Key2More Rewards MasterCard definitely earns it’s name. If you would like to apply for this card, we have set up simple instructions to make it easier for you to navigate through this process.

We strongly suggest you take the time to read through KeyBank’s privacy policy to educate yourself on their terms of information sharing.

Make sure you meet the requirements before applying for this credit card.

  • You must be 18 years of age
  • You must reside in one of the following states: AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA.

Step 1 – Find your way to the KeyBank personal credit card page (we have linked the page here) where two credit card options are on display. Today we will be applying for the Key2More Rewards MasterCard so click on the Apply Now button located below this card.



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