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Calculating Rewards & Finance Charges

Classic Industries from UMB
UMB Classic Industries Credit Card

Net Annual Rewards
$216
of UMB Points
Reward Rate
1.00%
Annual Fee
$0
Signing Promo
None
APR, variable
Min Apr:
11.99%
Cash Adv:
15.99%
Intro APR Promotions
Purchase:
0% for 6 mos
Transfer:
None
Reward Summary
  • Earn 1 point per $1 spent on purchases
  • 15% discount on all Classic Industries orders

Rewards Type: UMB Points

Signing Promotion
$0
Estimated Annual Rewards
$216
Annual Fee, 2 yr avg
$0

Annual Rewards (Rewards less Fees)
$216

Finance Charge Calculator

Use the sliders to the left to calculate balance transfer interest and APR interest for this particular card.

Finance Charge, Balance Transfer of $10,000*
Balance Transfer Fee, 3.0%
$300
APR, 24 months
$2,776

Total
$3,076

*Effective Annual Rate for Balance Transfers of 14.3% includes transfer fees and APR promotions. See our breakdown of EARs vs APRs.
Effective Annual Rate, Purchases
Promo EAR, 6 months
0.00%
Ongoing EAR, 18 months
12.67%

Total EAR, 24 months
9.36%

APR Rankings

APR
11.99%
ranks #106 out of 459 cards.
Average is 13.26%.
Balance Transfer Fee
3%
ranks #43 out of 418 cards.
Average is 3.26%.
Cash Advance APR
15.99%
ranks #27 out of 445 cards.
Average is 22.36%.

Rewards Rankings

Annual Fee
$0
ranks #1 out of 493 cards.
Average is $24.
Base Reward Rate
1%
ranks #40 out of 383 cards.
Average is 0.98%.
Effective Reward Rate
1%
ranks #92 out of 383 cards.
Average is 1.06%.
Sign-up Bonus
$0
ranks #475 out of 475 cards.
Average is $84.
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*Disclaimer: We make best efforts to keep card offer information accurate and up to date, however we cannot make warranties regarding the accuracy of our information. Please verify card information during the application process.