Thank you for your interest in the new Reach Out and Read® Visa® credit card. With the Reach Out and Read 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. Reach Out and Read 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...

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 Reach Out and Read.

A: There is no annual fee.

A: 0% introductory APR for six months. After the introductory period, the interest rate will be the Wall Street Prime rate + 9.74%, currently 12.99%.

A: Unfortunately, not at this time

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.

A: Yes. Your application will be transmitted to UMB through an encrypted security page.

A: Yes. You must ACTIVATE your card within 90 days of approval for Reach Out and Read to receive the $50 benefit. Also, UMB will donate a percentage of all card retail transactions to Reach Out and Read.