DISCLOSURES
1. Subject to credit approval. Credit cards are issued by UMB Bank, n.a. under license from Visa USA, Inc. ©2026 UMB Bank and Visa. Offers are subject to change without notice.
2. Cardholders will earn five (5) Points per dollar on Net Purchases made at Rural King store locations or ruralking.com and Rural King affiliates, subject to the following limitations:
Cardholders will earn one (1) Point per dollar on all other Net Purchases including Net Purchases made at in store clinics such as Country Critters, and Net Purchases made from Rural King through third party websites (i.e. Amazon or Google Express), subject to the Card Program Point Exclusions.
Card Program Point Exclusions: Cardholders will not earn Points on a) Rural King store purchases that receive special financing; b) tractor purchases; c) the purchase of Rural King Gift Cards; and Visa, American Express or Mastercard gift/prepaid cards; d) taxes, bottle deposits, shipping, delivery, handling and all other fees or charges; e) Purchases made prior to the date the Card was issued; and f) where otherwise prohibited by law.
Issuer will use merchant identification numbers (MIDs) to identify Rural King or ruralking.com Net Purchases.
Cardholders will earn three (3) Points per dollar on Net Purchases made at Gas Stations, Grocery Stores, Restaurants, and Fast Food. However, cumulative Grocery Store Net Purchases that exceed $3,000 in a calendar year will earn one (1) Point per dollar spent. Issuer will use merchant category codes (MCCs) assigned by the Card Network to identify Net Purchases made at Gas Stations, Grocery Stores, Restaurants and Fast Food. Those MCCs are as follows: 5541 and 5542 (Gas Stations), 5411 (Grocery Stores), 5812 (Restaurants) and 5814 (Fast Food). While Issuer makes every effort to include all relevant merchant codes in the rewards categories, Issuer does not determine whether merchants correctly identify and bill transactions within these MCCs. In addition, a merchant or some of the items that a merchant sells may appear to fit within a rewards category, but the merchant may not, in fact, have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category.
Cardholders will earn one (1) point per dollar on all other Net Purchases. See the Rural King Rewards Program Rules located at https://umb.com/RuralKingVisaRewardsProgramRules for complete details.
3. Approved cardholders will automatically receive a $20 reward bonus within five (5) to seven (7) business days of Account approval. Rewards may only be used at Rural King store locations on qualified purchases.
4. APRs: APR for Purchases: 19.99% to 29.99% based on your creditworthiness. This APR will vary with the market based on the prime rate. Optional Promotional APR for Purchases: 0% for six (6) months on qualified purchases of $299.00 or more made at Rural King store locations. After the 6 months, the APR will be 19.99% to 29.99% based on creditworthiness. This APR will vary with the market based on prime rate. You will not earn rewards on a purchase when you elect to apply the Promotional Purchase APR to that qualified purchase. APR for Balance Transfers: 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, 19.99% to 29.99% if your balance transfer is treated as a purchase, or 31.99% if your balance transfer is treated as a cash advance. Those APRs will vary based on the prime rate. APR for Cash Advances: 31.99% based on your creditworthiness. This APR will vary with the market based on the prime rate. The APR for Purchases, Balance Transfers and Cash Advances will not exceed 32.00%. Fees: Minimum Interest Charge: If you are charged interest, the charge will be no less than $0.50. Annual Fee: None. Balance Transfers: Three percent (3%) of the amount of the balance transfer, with a $15 minimum and no maximum. Cash Advances: Three percent (3%) of the amount of the cash advance, with a $15 minimum and a $50 maximum. Foreign Transactions: Two percent (2%) of the U.S. dollar amount of each Cash Advance or Purchase. Issuer retains the right to change the rates and fees that apply to your account as permitted by applicable law. See the Important Cost Information about our Credit Card disclosure on the Rural King Rewards Visa® credit card application for more information.
Information about the costs of credit cards is accurate as of November 1, 2026. This information may have changed after that date. To find out what may have changed, call 855.368.0410 or send your request to UMB Card Services, P.O. Box 419734, Kansas City, Missouri 64141-6734.
5. Visa’s Zero Liability Protection covers U.S.-issued cards only and does not apply to certain commercial card transactions. You must notify UMB Bank immediately of any unauthorized use. For specific restrictions, limitations, and other details, please call (833) 814-0891.
6. Card Program participants will automatically receive a $5 reward for every 500 Points earned. Rewards are automatically issued within seventy-two (72) hours of meeting the qualifying point threshold and may only be used at Rural King store locations on qualified purchases. Certain exclusions apply. See the Rural King Rewards Program Rules located at https://umb.com/RuralKingVisaRewardsProgramRules for complete details.
7. Certain exclusions and conditions apply. See the Visa Guide to Benefits for details. The issuer will send you the Guide to Benefits with your card.