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.
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.
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.