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Lamaze International Credit Card: FAQs

Q.  How is this card better than the one I already carry? 

A. We only wanted to offer our members an affinity card if we thought it was the best card on the market. Well, we think we found it!

With no annual fee, a low A.P.R, and (compare for yourself!) a rewards program that gets you further on a plane and more cash back per point than most any rewards program you will find on the market today, we think you’ll appreciate this great value. Additional enhanced features include roadside assistance, purchase security, warranty manager, and auto rental collision and theft coverage. Plus get points for balance transfers, interest billed and up to 15 points per dollar at select online retailers.

Q.  Is there an annual fee?

A. No, there is no annual fee.*

Q.  What is the annual percentage rate (APR) on the card?*

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%.

Q.  How do I apply?

A. To apply, visit or contact for a mail-in, paper application.

Q.  Can I apply over the phone?

A. Unfortunately, not at this time.

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.  How does the rewards program work? 

A. Simply use your card for your everyday purchases and receive 1 point for every dollar spent. You can earn Bonus Rewards points of up to 15 points per dollar when shopping at the participating retailers listed on

To earn Bonus Rewards points shopping in-store, make sure you use your card for all your purchases. An up-to-date and complete list of participating retailers can always be located on the Bonus Rewards Web site.To earn Bonus Rewards points for online purchases, you must access participating retailers through the Bonus Rewards Web site and use the link provided to make your purchases. If you do not use the link to shop, you will not earn Bonus Rewards points on your transactions.Your earned points will automatically be credited to your Rewards Points account and can be found on your monthly statement.

    Q.  What can I redeem for with my points earned?

    A. You can redeem your points for name-brand merchandise, gift cards, travel, event tickets and activities. For more information about redemptions options, please visit for more details.

    Q.  Do my points expire?

    A. Points expire after 5 years. For more information on Program Rules, please see the Rewards Program Rules disclosure that will accompany your card.

    Q.  How do I redeem my points?

    A. Simply go to online redemptions site at to redeem your points.

    Q.  If I have another question about Bonus Rewards not listed above, who can I contact? 

    A. Please contact customer service at 800-821-4115.

    Q.  Who is UMB? 

    A. UMB is a multi-bank, multi-billion dollar holding company headquartered in Kansas City, Missouri. They were ranked by Smart Money as "the highest-scoring traditional bank among our favorites and by Forbes as the #2 "best" bank in the U.S." As a leading card issuer with nearly 40 years of credit card experience, UMB offers a wide range of consumer and commercial Visa and private label products. For more information, visit



    * 0% APR only on purchases and balance transfers initiated during the first six months. No balance transfer fee will be imposed for balance transfers initiated during the introductory rate period. Thereafter, rates will vary. Rate and fee information is accurate as of March 1, 2011.