Rewards Rules and Program Terms and Conditions

Effective August 11, 2020

In these Rules, the terms “we,” “our,” or “Issuer” refer to UMB Bank, n.a., the issuer of your credit card (the “Card”). “You” or “your” means the person who holds a qualifying Card that we have issued. “Program” means our Rewards Program. The Rewards Program Rules are separate from the terms of your Credit Card Agreement.

  1. You are eligible to participate in the Program if you hold a Card that the Issuer has issued, and your related credit card account is in good standing. Issuer reserves the right to approve, deny, or revoke Program membership and redemptions for any reason. Cardholder will forfeit all rewards points (“Points”) if the credit card account is closed or if the account is not in good standing.
  2. Issuer will automatically renew your membership in the Program, as long as your Account is in good standing and Issuer has not received a notice that you canceled the Card.
  3. You will earn three (3) Points per dollar on Net Purchases at Movie Theaters, Streaming Services, Cable and Internet Providers. You will earn two (2) Points per dollar on Net Purchases at Restaurants, Convenience Stores and Gas Stations. Issuer will use the merchant category codes (MCCs) assigned by the Card Network to identify Net Purchases that qualify for accelerated Point earning. Those MCCs are the following: 7832 (Motion Picture Theaters), 5815 (Digital Goods Media: Books, Movies, Music), 4899 (Cable and other pay television), 5541 (Service Stations), 5542 (Gas), 5812 (Eating Places and Restaurants) and 5814 (Fast Food Restaurants). Issuer does not determine whether merchants correctly identify and bill transactions within these MCCs. All other Net Purchases will earn one (1) Point per dollar spent. “Net Purchases” refers to the Purchase Advance of goods or services made minus any returns, refunds or Purchases that were unauthorized. The following transactions are excluded from “Purchases” and do not earn Rewards Points: convenience checks, balance transfers (unless our balance transfer offer specifically says otherwise), cash advances, returns, finance charges and credit card interest or fees.
  4. The current rewards, the conditions and qualifications to earn those rewards, certain exceptions and exclusions, and certain incidental fees that you may incur if you select certain rewards options, are set forth in the Program Terms and Conditions which are available at www.DCPowerRewards.com.
  5. Points will be awarded and can be redeemed only if you keep all of your accounts with Issuer in good standing.
  6. You will begin to accrue Points as of your enrollment date in the Program. Points are not retroactive for previous purchases. Your enrollment date is the date that the Issuer has approved you as a Program participant.
  7. Issuer reserves the right to deny redemption requests on carriers or other suppliers that Issuer or our Program Administrator have determined may provide unreliable service or if the particular reward you have requested is unavailable. This is covered more fully in the Travel Rewards section of the Program Terms and Conditions which are available at www.DCPowerRewards.com.
  8. Points are awarded daily based on the total amount of Net Purchases posted to your account. Points are available for redemption as soon as they are awarded. Your credit card statement will show the accumulated Points you earned through the statement date. You may also view your Point balance by signing in to www.cardcenterdirect.com and clicking through to the rewards redemption website.
  9. Points expire on their anniversary date in the third full year following the calendar year in which any Point was earned. Points redeemed or canceled due to expiration are determined on a first-in, first-out basis. Points and rewards, including Cash Back, cannot be used as payment on accounts at UMB Bank, n.a. or any of its affiliates and are not transferable. However, if you notify us that your Card is lost or stolen, we will transfer your Points and your anniversary participation date from your old Card to your new Card.
  10. To redeem your Points, please sign in to www.cardcenterdirect.com and click through to the rewards redemption website. You may also call the toll-free Points redemption number at 800.828.5357. Do not use the above website or toll-free number to ask questions regarding your credit card account.
  11. The Program is void where prohibited by federal, state, or local law. You are responsible for any tax liability relating to your participation in the Program or awards that you redeem, including income, sales and use tax.
  12. Issuer reserves the right to deny or cancel your membership in the Program due to a violation of the Rewards Program Rules, suspected fraud, or abuse of privileges.
  13. The Program and benefits are offered at the sole discretion of Issuer. Issuer reserves the right to modify or change any Program benefit or feature, prospectively or retroactively; including, without limitation, the annual fee, Point earning, Point accrual, Point expiration date, redemption criteria, reward options, and to cancel or suspend the Program at any time upon notice to participants.
  14. Issuer shall not be liable for any death, bodily harm and/or property damage which may result from your participation in the Program or your redemption of an award. You are responsible for determining how to use your Points. Issuer fulfills its responsibility to you under the Program by providing the reward that you have requested and earned under the Rules then in effect. Issuer is not responsible if an air carrier, car rental company, accommodations supplier, other travel supplier, merchandise or merchandise supplier fails to provide the services or products or is negligent in any aspect of its performance. You may not have chargeback rights under your credit card for any failure of a travel or merchandise supplier to provide its services or products. Any warranty related to a product or service you obtain by redeeming Points is provided exclusively by the manufacturer or service provider. Issuer expressly disclaims any warranty related to any product or service available under the Program, including by warranty of merchantability or fitness for any particular purpose.
  15. Account Credit (Cash Back and DC Universe subscription) redemption requests are handled by Issuer as a credit to your Program card monthly billing statement within 45 days of redemption request. Credit will be issued to your Program card account only and may not be redeemed for cash equivalent, transferred to another card or used as a payment on accounts at UMB Bank n.a., or any of its affiliates.
  16. You agree that Issuer may provide certain account and transaction information to the Program Administrator to enable them to administer the Program.
  17. Accumulated Points are not the property of the cardholder and cannot be bought, sold or transferred (including upon your death or part of a domestic relations settlement). Any abuse of the Program terms, or misrepresentation by a cardholder will make the cardholder ineligible to earn future rewards under the Program.
  18. All Warner Bros. and Fandango redemption items are provided by Warner Bros. and Fandango, respectively, and not by Issuer. By applying for and using your DC Power Visa Rewards® Card, you are authorizing Issuer to share information with Warner Bros. and its affiliates and Fandango’s fulfillment vendor to fulfill such rewards, including your email address, mailing address and phone number including updates.

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Description of the Program

  1. The rewards program ("Program") is a service provided by UMB Bank, n.a. ("Sponsor") and managed by ampliFI Loyalty Solutions, LLC ("Administrator").
  2. Participation in the Program is exclusive to those who have a current credit card issued by the Sponsor ("Rewards Credit Card"). These individuals are defined as "Cardholders".
  3. The Sponsor reserves the right to disqualify any Cardholder from participation in the Program and invalidate all Points for abuse, fraud, or any violation of the Program terms and conditions. The Sponsor may make such a determination in its sole discretion.
  4. The rewards program is void where prohibited by federal, state, or local law.
  5. The Sponsor and the Administrator are not responsible for typographical errors and/or omissions in any program document.
  6. The Sponsor and the Administrator reserve the right to change the terms and conditions as well as the points required for a reward within the rewards Program. At the Sponsor's option, redemption of Points may be restricted, limited, expired or cancelled at any time without prior notice.
  7. Eligibility in the program is restricted to individuals who have a statement address within the 50 United States, the District of Columbia or any U.S. Possession or Territory or have been issued a credit card by UMB Bank, n.a..
  8. The Program's Privacy Policy is available at the Program's website on the bottom of each page.

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Earning Points

  1. Cardholders will earn “Points” for qualified transactions using their Rewards Credit Card.
  2. Points will be accumulated at the rate of:
    1. Three points per every one (1) dollar spent at Movie Theaters, Streaming, Cable and Internet Services.
    2. Two points per every one (1) dollar spent at Restaurants, Convenience Stores and on Gas.
    3. One point per every one (1) dollar charged to the Cardholder's enrolled credit card.
  3. Point earnings are based on the net retail purchase transaction volume (i.e., purchases less credits, returns and adjustments) charged to the Rewards Credit Card during each day by the Cardholder. Net purchases are rounded to the nearest dollar and are subject to verification. If a transaction is subject to a billing dispute, the point value of the transaction may be deducted from the point total during the dispute period. If the transaction is reinstated, points will be reinstated.
  4. In the event of fraud, abuse of program privileges or violation of the program rules (including any attempt to sell, exchange or transfer points or the instrument exchangeable for points), the program Sponsor reserves the right to cancel cardholder’s membership in the rewards program.
  5. Points may not be combined with any other loyalty/frequency reward program that is not managed by the program's Sponsor.
  6. The Sponsor reserves the right to award bonus Points to selected cardholders for any activity or condition it decides.
  7. Points are not the property of the cardholder, and cannot be bought, sold or transferred in any way (including upon death or as part of a domestic relations matter).
  8. Points are tracked and redeemable on a first-in, first-out basis. Points will expire on the last day of the month, three (3) years after the date of issuance.
  9. The Sponsor and the Administrator shall have no liability for disagreements between Cardholders regarding Points. The Sponsor's decisions regarding Point discrepancies shall be final.

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Redeeming Points

  1. To redeem points, visit the Program's website or call the customer service department. All contact information is listed at the bottom of these Terms and Conditions.
  2. To be eligible to redeem Points, the Cardholder’s account(s) must be open (meaning not voluntarily closed, canceled or terminated for any reason) and the Rewards Credit Card cannot have any other status preventing authorizations.
  3. Points are deducted from the cardholder’s point balance as soon as they are redeemed.
  4. Points must be redeemed by the Cardholder.
  5. The Cardholder agrees to release the Sponsor and Administrator, and its vendors from all liability for any injury, accident, loss, claim, expense or damages sustained by the Cardholder, associated with a reward or use of rewards while participating in this Program and in the case of a travel reward, anyone traveling with or without the cardholder, in connection with the receipt, ownership, or use of any reward. The Administrator and the Sponsor shall not be liable for consequential damages, and the sole extent of liability, if at all, shall not exceed the actual value of the reward.
  6. Your participation in this program may result in the receipt of taxable income from UMB and we may be required to send to you, and file with the IRS, a Form 1099-MISC.  Please consult your tax advisor if you have any questions as UMB Bank n.a. does not provide tax advice.

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Travel Rewards

The Administrator’s travel redemption center is able to take care of all travel arrangements. They are a full-service agency that can assist with air rewards, hotel, auto, vacation and cruise reservations.

  1. All travel must be redeemed through administrator’s fully licensed redemption reservation center or website. Cardholders must have an eligible rewards credit card at the time of redemption.
  2. All airline tickets issued in exchange for points are non-refundable and non-changeable after ticket issuance, without paying the standard fees charged by each airline. Changes are subject to authorization by the airline and subject to any fees charged by the airline and redemption center.
  3. Lost, stolen or otherwise destroyed airline tickets will not be replaced without the Cardholder paying the standard fees charged by each airline.
  4. Cardholders may make additional travel reservations with the Administrator’s travel department or website using their rewards credit card.
  5. Airfares are not guaranteed until ticket is issued. All reservations will receive a fax or email on the same day the ticket is issued. The Cardholder must call in any corrections or discrepancies by the close of business, the same day the ticket is issued. The travel redemption center will do their best to accommodate all changes and requests. Any changes or corrections done the following day or thereafter are subject to all airline airfare charges, exchange fees and processing fees and processing charges.
  6. Paper airline tickets are subject to the individual airline paper ticket fees.
  7. If a paper ticket is issued, the cardholder has two options for delivery. The Cardholder can sign a waiver stating that they accept responsibility for a lost ticket, and then the ticket will be sent via US Mail. The second option is to pay a shipping fee for the ticket to be sent via overnight delivery. Priority, Saturday and outside the forty-eight (48) contiguous states, deliveries will be subject to additional shipping charges.
  8. The Cardholder is responsible for payment of all baggage charges, departure taxes seat assignment charges, or other charges that may be assessed by airlines, travel companies and/or governmental entities as a result of travel under the rewards program.
  9. Administrator’s normal and customary fees associated with processing travel related services are billed to the Cardholder’s Rewards Credit Card.
  10. The Sponsor and Administrator are not responsible for the performance by the airlines of the ticketed transportation. All reservations are made subject to the conditions of airlines, supply or business of the party providing the service, which include exclusions and limitations of liability. The airline industry is in constant flux and changes made by this industry are done quickly and frequently without notice, therefore, reward redemption rules for air travel are subject to change without notice.
  11. A valid government ID must be presented at the airport and it must match the traveler’s complete name as listed on the airline ticket.
  12. Travel insurance: For added protection, it is highly recommended that all travelers consider purchasing travel insurance at the time of ticketing to cover airline bankruptcy, trip cancellation & interruption, baggage delays and lost baggage, medical expense, emergency medical transportation, and vehicle rental collision insurance.
  13. Cardholders may redeem points for a single lowest published airfare as follows:
    1. Each free ticket must be ordered through Administrator
    2. All free tickets must be for round-trip travel on the same airlines or code share airline.
    3. En-route stopovers are not permitted unless they are to make direct connections.
    4. Reservations for tickets are only allowed through standard commercial passenger carriers, which exclude the usage of charters.
    5. Actual travel may occur any time within three hundred and thirty (330) days after the reservation conditions in this agreement are met.
    6. Reservations shall also be subject to airline seat availability on travel dates specified by the traveler.

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Non-Travel Rewards

Merchandise

  1. When necessary, the Administrator may substitute a reward with an updated model of equal or greater value. Cardholders will be notified of any change when ordering. The rewards Program Administrator reserves the right to replace or remove certain sections within any program literature or website. All rewards are subject to availability.
  2. Merchandise rewards may take two to four (2-4) weeks to be delivered from the time of order. Multiple rewards may arrive at different times because they may be provided by different vendors. Delivery times may increase during peak holiday periods.
  3. No shipments of merchandise can be made to APO/FPO or PO Box addresses.
  4. Merchandise shippable by UPS will be available to all US territories. Items being shipped to Alaska, Hawaii, Puerto Rico, Guam and the US Virgin Islands will have an additional freight charge billed to the cardholder’s rewards credit card.
  5. Merchandise pictured in any reward's program brochure or website may not necessarily reflect exact colors or models of actual rewards due to printing variations and/or manufacturers’ updates. Information is accurate to the very best of our knowledge. The Sponsor and the Administrator are not responsible for errors or omissions.
  6. The number of Points required for reward items are subject to change without notice.
  7. Cardholders may exchange merchandise only in the event of merchandise defects or damage in shipment. Some items are delivered by common carrier, where a delivery time is scheduled and someone must be present to accept delivery. When this is the case, the item must be opened in the presence of that carrier and any exceptions, damages, or shortages must be noted on the delivery receipt before Cardholders sign to accept shipment of merchandise. For those items that are delivered without being scheduled, please inspect the item within 24 hours of delivery and notify the customer service center if you find any exceptions, damages, or shortages.
  8. All merchandise is covered by a manufacturer’s warranties. Any such defect should be handled through the standard manufacturer repair facility as noted with product. Neither the Administrator nor the Sponsor provide any warranty or warranty service, and the manufacturer’s warranty is the only warranty that applies.
  9. Items offered through the Program may include, but are not limited to, props associated with motion pictures and/or television productions. Items redeemed are in “as-is” condition, with all faults, and may contain normal wear and tear, imperfections and other indications of use. Issuer will use commercially reasonable efforts to accurately describe and depict in its promotional materials the items offered. However, the specific item you receive may not be the exact one depicted in promotional materials, particularly with respect to movie and/or television props, since there may have been multiple copies of the same style of item used on the set of a particular production. Likewise, Issuer cannot guarantee that a redeemed prop was actually used on-screen or otherwise shown in the final version of a film or television production.

Gift Cards, Certificates and Promotional Codes

  1. Points may be redeemed for gift cards, certificates or promotional codes from select merchants. Most gift cards, certificates and promotional codes are delivered within two to three (2-3) weeks, to the address, or email address, specified on the order file with the Administrator, as long as it is within the United States and its territories. Delivery times may increase during peak holiday periods.
  2. Gift cards may not be available for all programs.
  3. Gift cards, certificates and promotional codes cannot be returned and are not redeemable for cash or credit.
  4. All other sales and/or use taxes including shipping and handling charges of items purchased using a gift card or certificate are the responsibility of the Cardholder and are subject to the merchants’ policies in effect at the time of redemption. Purchases in excess of the amount of the gift cards are at the Cardholder’s expense.
  5. Gift cards, certificates and promotional codes may also be subject to other restrictions imposed by the merchant. Gift cards, certificates and promotional codes are subject to the terms and conditions of the gift card, certificate, or promotional code, issuer and are generally included with the card, certificate or promotional code.
  6. Additional terms and conditions may be specified on the gift card or certificate.
  7. If a merchant declares bankruptcy the Sponsor and Administrator are not liable for the underlying funds on the gift card or certificate.
  8. Gift cards, certificates and promotional codes are not returnable, exchangeable or replaceable.
  9. Each merchant sets a policy in regards to lost or stolen gift cards or gift certificates. If a gift card or certificate is lost or stolen the Cardholder should report the occurrence to the Administrator immediately. The Administrator reserves the right to decline to replace lost or stolen gift cards or certificates.
  10. If gift cards, certificates or promotional codes have been ordered and not received by the Cardholder, they must notify the Administrator using the provided customer service number. The Cardholder must notify the Administrator no earlier than fifteen (15) days after the expected receipt date and no later than sixty (60) days from the expected ship date. Upon receipt of such notification, the Administrator will investigate. The Administrator with its sole discretion may replace any non-received shipment, in which a full balance remains on a gift card or gift certificate.
  11. The Administrator is not responsible if a recipient or Cardholder defaces, damages or otherwise renders unsuitable for redemption a gift card or certificate that was received from this reward site.
  12. The redemption of Fandango Promotional Codes and FandangoNOW Promotional Codes are subject to Fandango’s Terms and Policies at www.fandango.com/terms-and-policies. Use of Concession Certificates is subject to the terms and conditions at www.activaterewards.com/concessions/terms.

Cash Back Rewards and Statement Credits

  1. Reward Credit Card statement.
  2. The Cardholder is responsible for any outstanding balance owed on the account after the credit is applied.
  3. Cash back reward(s) and statement credits cannot be applied toward the payment amount owed on a Cardholder’s Reward Credit Card.

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Pay With Points Terms & Conditions

Each person that participates in the UMB Bank’s Pay With Points program does so on the basis of the following Terms and Conditions.

The payment card network (e.g. Visa) monitors transaction data involving your Sponsor-issued credit card in order to identify card transactions that qualify for participation in the Pay With Points program, and shares that data with amplifiFI Loyalty Solutions LLC (“Administrator”) and UMB Bank, n.a. (“Sponsor”) to qualify purchases for the Pay With Points service. The Administrator shares details of your qualifying transactions with the Sponsor’s rewards vendor in which you participate in accordance with these Terms and Conditions and the Sponsor’s Privacy Notice.

With Pay With Points, Cardholders may redeem points for credit card purchases via text messaging, by email or online, as each option becomes available to Cardholders via Sponsor’s website(s). Pay With Points is only available for credit cards; debit cards are not eligible.

The points redemption comes in the form of a statement credit to Cardholders’ monthly billing statement. Points will be deducted from the Cardholder’s points balance and a statement credit for the purchase amount will be applied to the applicable Account billing statement when the Cardholder requests redemption. For transactions which include a gratuity, fees, or estimated taxes, the statement credit may not equal the Cardholder’s final purchase amount. Auto bill pay transactions may be part of Pay With Points Rewards text messages and emails if the purchase falls within Cardholder’s preference selections.

The following purchases are not eligible for Pay With Points: (i) any transaction that is not directly processed or submitted through the Visa U.S.A. payment systems, as applicable; and (ii) any purchase that Visa U.S.A. is unable to monitor (including purchases you initiate through identification technology that substitutes for a PIN and transactions made through a payment method such as a digital wallet or a third party payment product where your Card is a funding source but you do not present your Card directly to the merchant). Pay With Points text messages and emails are available for transactions with U.S. merchants. International transactions may also be available, subject to conversion to USD and the merchant processing under categories included in the program.

Cardholders may receive Pay With Points notifications using their 10-digit U.S. mobile number or email address. Only one mobile number and/or email address may be used per Household. After Cardholder completes a brief enrollment profile, Cardholder must confirm text enrollment by replying ‘YES’ to a confirmation message that Pay With Points Rewards will send when the text portion of the program is live. If any changes are made to Cardholder’s Account that will affect the card number, Account ownership or your rewards program, Cardholder will need to re-enroll in Pay With Points Rewards. Message and data rates may apply. Message frequency is based upon the preferences Cardholder selects and the purchases Cardholder makes on Cardholder’s Account. Once the text program is launched, Cardholder may text ‘HELP’ in response to the text messages for Help. Text ‘STOP’ in response to our text message or return to the Alerts page on Sponsor’s website to cancel participation in Pay With Points Rewards text notifications. All cancellations completed via text message will remove that mobile number from all accounts registered for Pay With Points Rewards. E-mail or text messaging may be cancelled by visiting the Rewards alerts page.

Cardholders will not receive Pay With Points Rewards emails until they confirm such enrollment and preferences, unless initial preferences are set by the Sponsor. Cardholders will not receive Pay With Points Rewards text messages until they confirm such preference on the Rewards alerts page. Once Pay With Points notification preferences have been set on the Rewards alerts page, Cardholders will receive a Pay With Points Rewards redemption request email or text message notification if their credit card purchase falls within the criteria that has been established and they have enough points to redeem. Merchants who accept your card are assigned a merchant category code based on the kinds of products and services they sell. Administrator or Sponsor does not control how Purchases are processed by merchants or the merchant codes they use; therefore, Administrator or Sponsor cannot guarantee that a specific transaction will qualify.

Cardholder’s account must remain in good standing in order to redeem. Cardholder may redeem by replying ‘REDEEM’ within 24 hours of when the text was sent, selecting the one-click redemption option in an email notification or by selecting from eligible transactions online. Cardholder may only redeem the most recent Pay With Points text or email message. Online redemption of eligible transactions will be available for up to 45 days. Upon confirmation of a redemption request, points will be deducted from Cardholder’s points balance immediately, and a statement credit to Cardholder’s statement will be processed within three business days and will appear on Cardholder’s next billing statement. Please allow up to ten days for statement credit to appear.

The Account statement credit for a Pay With Points Rewards redemption will reduce the Account balance but will not count toward the minimum payment due. All redemptions are final. If Cardholder returns the item or service for which points were redeemed to the merchant, the points will not be reinstated, but Cardholder may receive a monetary credit to their Account (in accordance with the merchant’s return policy).

Sponsor does not charge a fee to receive text messages or emails related to Pay With Points program. Message & data rates may apply – this can be checked with the mobile service provider. Charges are billed and payable to Cardholder’s mobile service provider or deducted from Cardholder’s prepaid account.

Data obtained from Cardholder in connection with this text and email message service may include Cardholder’s phone number and email address, the carrier’s name and the date, time and content of your messages. The Administrator or Sponsor may use this information to contact Cardholder and to provide the services Cardholder requests.

The Administrator or Sponsor will not be liable for any delays in the receipt of any text or email messages as delivery is subject to effective transmission from network operator or internet service provider.

Pay With Points Rewards messages sent via text message may not be delivered if the mobile phone is not in range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within a coverage area, factors beyond the control of the wireless carrier may interfere with message delivery, including terrain, proximity to buildings, foliage, weather and equipment.

As a participant of the Pay With Points Rewards program, Cardholder may choose to receive text or e-mail messages based on participation and preferences on the Rewards alerts page. Cardholder can opt-out from this service at any time by visiting Sponsor’s website or calling the Rewards Service Center. After opt-out, Cardholder may still receive text or email messages for up to 24 hours. Opting out via text message or through any other process will remove Cardholder’s mobile number from all accounts registered with Pay With Points Rewards.

The terms and conditions of this service with participating U.S. mobile carriers may change at any time with or without notification.

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Contact Information

  1. For questions, concerns or complaints, please contact the Administrator's customer service center. You should expect a resolution to all inquiries within 3 business days.
  2. The Administrator's customer service center is open 24 hours / 7 days a week, except from 11pm Thanksgiving Day to 5am the following morning, and Christmas Eve and New Year’s Eve starting at 11pm, closed both holidays until 5am the following morning. This is the number to call to place orders or to check on existing ones.
  3. The travel redemption center is available Monday through Friday from 9:00 a.m. to 10:00 p.m. ET, Weekends from 9:00 a.m. to 1:00 p.m. ET. Closed New Year’s Day, Easter, Memorial Day, Thanksgiving and Christmas.
  4. The Program's website is www.DCPowerRewards.com. The customer service number for questions about your rewards points or to redeem points is 888-923-2994. The customer service center phone number for questions about your credit card account is 833-299-1029.

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