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Principia Credit Card

Principia Credit Card

Principia Credit Card is issued by UMB Financial Corporation. This card has an interest rate and a rewards program that will help you save money on flights, hotel rooms, event tickets, merchandise, and gift cards. You can earn 1 point for every $ 1 spent or donations, 2 points for every $ 1 of accumulated interest and 15 points for every $ 1 spent on participating providers.

Features of Principia Credit Card

Earn 1 point for every $1 spent or transferred, Earn 2 points for every $1 of billed interest, Earn 15 points for every $1 spent at participating retailers

A signup  bonus of 0% APR for the first 12 payment cycles for balances transferred within the first 60 days

No annual fee to this card

Cash Advance APR is set at 25% (APR is subject to change)

Cash Advance Fee is 3% of each cash advance, with a $15 minimum and a $50 maximum

Late Payment Fee is Up to $35

Purchases APR is set at 14.24% to 18.24%, based on your creditworthiness (APR is subject to change)


To be eligible to receive this card, the following conditions must be met:

  • You are at least 18 years of age.
  • You live in the United States
  • You have a valid SSN number

Apply Now for Principia Credit Card

Step 1: From the homepage of this credit card, you will be required to choose one of the two available card images.

Step 2: After selecting the image of your preferred card, verify your selection by clicking on Select this tab and then Apply now.

Step 3 – Please provide personal information on this page. Enter the following information in the empty fields: first name, Birthdate, ANN, Family mother’s name, Email address, Complete address (street, city, state, castle), Indicate if your email address is different from your current address, Length of stay, phone number, Alternative phone number (optional)

Step 4- The following details should be specified for financial information: Status and position of Employment, Name of employer and duration of Employment, Name of previous employer, position and time of Employment, Service phone number, State of residence, The main financial institution., Annual gross remuneration, Gross annual income, Another source of income (if applicable)

Step 5: Here we present a general description of the terms and conditions of use of this credit card. Read them carefully and, if you comply with the UMB conditions, verify by selecting the small box at the bottom of the screen. Click Send to have your card request sent for verification by UMB. The confirmation must be sent soon regarding the status of your request.

Login Guide for Principia Credit Card

To log in to your online bank account, you must first go to the homepage. You will see the login menu on the left side of the screen. Enter your user ID in the empty field and click Next to continue.

UMB has implemented security measures that will be used if they can not recognize your computer. If the computer you are using is not registered in the system, you will have to answer the security question in an empty field. Click on the Submit button to continue and enter the password on the next page to access your online bank account.

Forgot password or username

Select the option Forgot your user ID? link just below the login field to access the UMB recovery system. On the next page, click Next: Continue to register again.

Next, you must enter your account information to verify your identity. Use the drop-down menu to indicate the type of account, enter the card number, the last five digits of the SSN, the expiration date of the card / year and the zip code. Click on Verify your account when everything is delivered correctly. On the next page, you must select a new user ID and password for your account before granting access to online banking.

Activate the Principia Credit Card

You must activate your card before you can use it for online banking or even for purchases. To activate the card, call the number 1 (800) 860-4862 and follow the instructions provided by the customer representative. Then, you can start registering your bank account online by clicking on the Secure Registration link on the right side of the UMB homepage, click on the Register in online banking link to continue.

Then use the drop-down menu to indicate the type of account. Enter your card number, the last five digits of the SSN, the month / year of expiration of the card and the zip code. Click on Verify your account after providing the required information.

On the following pages you will be asked to provide additional personal information to verify your identity. After entering your personal information, you must select a username and password for your account that will be used for all future logins.



1 (800) 860-4862

Mail Address: 1010 Grand Boulevard // Kansas City, Missouri // 64106