Luana Savings Bank Business Credit Card

Business VISA Signature® Rewards Credit Card

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Meaningful Business Rewards Made Easy

Use your card right away and get rewarded. Spend $2,000 in the first 90 days from account opening and earn 20,000 Bonus Rewards Points equal to $200 in account credit.*

Redeem your rewards points for cash back, gift cards, merchandise, travel, event tickets and more.*


2x Points Per Dollar*

Top Two Merchant Categories Each Month

1x Points Per Dollar*

Everywhere Else Visa is Accepted.

0% Purchase APR** for 9-months.

As a business owner, you want to earn rewards every month and not be concerned about what categories your credit cards points come from.

The Visa Signature Business Rewards credit card for Luana Savings Bank puts you in the driver’s seat of your rewards. Each business has changes in their expenses and needs. Don’t be locked into only a couple specific categories of your current credit card. Let it change with your needs.

Rewards

  • Earn 2X Points per dollar* on purchases in the top two merchant categories each month and 1X Point per dollar* on purchases everywhere else Visa is accepted.**
  • No limits…No offers to activate…No categories to remember
  • Online reward redemption available 24/7, 365 days a year.

Additional Benefits

Contactless Card***

Mobile Wallet Supported

No Annual Fee

Fraud Protection & Individual Card Limits

Consolidated & Individual Card Billing Options

Competitive Purchase APR**

Ready to get started?

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You may submit your completed Application:

Questions or inquiries regarding the Application may be directed to [email protected]

Apply Today!

Credit cards are issued by UMB Bank, n.a. under a license from Visa USA, Inc.

* Subject to credit approval. Rates and fees subject to change. Eligible for new UMB Visa Signature Business Rewards Credit Card customers only. 20,000 Bonus Points equal to $200 in account credit. Within 90 days of opening your new UMB Visa Signature Business Credit Card account, approved applicants must use their card(s) to make $2,000 in Net Purchases to receive the 20,000 bonus points. Bonus points will be applied to your account within 45 days of meeting the spend requirement. The Program Member’s Control Account or the Cardholders account (if cards are billed to an individual Cardholder) earn two (2) Points for each dollar on Net Purchases that fall within the top two (2) merchant category codes (MCCs) for that month, based on the total dollar volume of Net Purchases in each category. UMB Bank n.a. will use the MCCs assigned by the Card Network to identify your Net Purchases that qualify for accelerated Points earning. See the Visa Signature Business Card Rewards Program Rules for complete details about the rewards program.

** APRs: Introductory APR for Purchases: 0.00%. This APR is an introductory APR for the first 9 months. After that, your APR will be 15.19% (quote based on the Prime Rate currently in effect). This APR will vary with the market based on the Prime Rate. APR for Cash Advances: 24.49%. This APR will vary with the market based on the Prime Rate.

Fees: Minimum Interest Charge: If you are charged interest, the charge will be no less than $0.50. Annual Fee: None. Cash Advances: 3% of the amount of the cash advance, with a $15 minimum and a $50 maximum. Foreign Transactions: 2% of the U.S. dollar amount of each Cash Advance or Purchase. Late Payment Fee: Up to $38. Over Limit Fee: None. Returned Payment Fee: $35 if a check or ACH payment on your account is returned for insufficient funds. Issuer retains the right to change the rates and fees that apply to your account as permitted by applicable law. See the Interest Rate and Charges section of the Application for more information.

*** The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC

We retain the right to change the rates and fees that apply to your account as permitted by applicable law. For more information, see our Important Cost Information about our Credit Card disclosure, which is provided with our credit card application.

Information about the costs of credit cards is accurate as of February 1, 2026. This information may have changed after that date. To find out what may have changed, call us at 855.368.0410 or write to us at UMB Bank, n.a., P.O. Box 419734, Kansas City, Missouri 64141-6734.