Thank you for your interest in the new Reach Out and Read® Visa® credit card. With the ROR Visa credit card you can help children grow up with books and a love of reading. Now your everyday purchases can work harder and help to raise much needed funds to put books in the hands and homes of children.

Just think, with the simple gesture of using your new Reach Out and Read Visa card, you have the opportunity to raise awareness about early literacy each time you use it! Plus, UMB Bank will contribute $50.00 for every new account that is opened and used within 90 days of an approved application. ROR also receives .3% (percent) of all net retail transactions. There is no annual fee.

You can use your Reach Out and Read Visa credit card anywhere that takes Visa. And there are five credit card designs to choose from!

Ready to Apply? You’re just a click away ...

Frequently Asked Questions

Q: How does opening a credit card with UMB benefit Reach Out and Read?
A: Reach Out and Read will receive $50 for each approved application that is activated and used within 90 days of approval. Additionally, a percentage (.3%) of every retail purchase made using the card will be donated to ROR.

Q: Is there an annual fee?
A: There is no annual fee.

Q: What is the interest rate on the card?
A: 0% for the first six month introductory period on purchases and balance transfers. After the six month introductory period, the interest rate will be 11.90%.

Q: Can I apply over the phone?
A: Unfortunately, not at this time.

Q: How can I get a paper application?
A: Hard copy (paper) applications will be available at certain Reach Out and Read events. We encourage you to apply securely online to help us reduce marketing and processing costs.

Q: When I apply for the card, will my transaction be secure?
A: Yes. Your application will be transmitted to UMB through an encrypted security page.

Q: Do I have to activate and use the card within a certain time period for Reach Out and Read to receive the $50.00?
A: Yes. You must ACTIVATE your card within 90 days of approval for ROR to receive the $50 benefit. Also, UMB will donate a percentage of all card retail transactions to ROR.