Life Credit Card

Price: Free
PV: 40.00 (1 time only with 1st purchase)
Trip Credits: 4.00 (1 time only with 1st purchase)

Earn PV and Trip Credits!

With the Life Visa® Rewards Credit Card




The Life Visa Rewards Credit Card is a great way to eliminate high interest debt
by taking advantage of our introductory 0% APR on balance transfers for 12 months. You will then have a variable APR based on your credit worthiness.1 Click here for a disclosure of the rates and fees that apply to this account.


Receive a 40 PV bonus with your first purchase.2




The Life Visa Rewards Credit Card gives you Double Points on Life purchases, while earning rewards for all your everyday purchases. 3

Redeem for travel, gift cards, and more!

We make it easy to redeem. Access your account online to see how many points you’ve earned and view your monthly statement at www.cardcenterdirect.com.

Redeem points for merchandise, travel, gift cards, statement credit, and more. Visit Life Rewards to learn more and view sample rewards.


Additional Visa Benefits4 | Fraud Protection

  • Visa’s Zero Liability Policy means you won’t be held responsible for any unauthorized charges made with your card or account information.

Others

  • Including auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more.


Apply Today | Two Design Choices




Apply by phone at 800-821-5184 for your Life Visa Rewards Credit Card today to start earning Rewards points!

Follow this link for the most updated pricing and fees disclosure.

Cardholder Self-Service Contacts
Online Account Accesswww.cardcenterdirect.com
Rewards Points Redemptionwww.cardcenterdirect.com
Customer Service – 1.800.821.5184



1APR for Purchases: 14.99% to 18.99% APR based on your creditworthiness. The APR in effect will vary with the market based on the Prime Rate. APR for Balance Transfers: 0.00% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening. After the first 12 billing cycles, and for Balance Transfers made more than 60 days from account opening, 14.99% to 18.99% (based on your credit worthiness) if your Balance Transfer is treated as a Purchase, or 25.99% if your Balance Transfer is treated as a Cash Advance. Those APRs will vary based on the Prime Rate.

Fees: Minimum Interest Charge: If you are charged interest, the charge will be no less than $0.50. Annual Fee: None. Balance Transfers: Three percent (3%) of the amount of the Balance Transfer, with a $15 minimum and no maximum. Cash Advances: Three percent (3%) of the amount of the Cash Advance, with a $15 minimum and a $50 maximum. Foreign Transactions: Two percent (2%) of the U.S. dollar amount of each Cash Advance or Purchase.

We retain the right to change the rates and fees that apply to your account as permitted by applicable law. For more information, see our Important Cost Information about our Credit Card disclosure, which is provided with our credit card application.

Information about the costs of credit cards is accurate as of April 1, 2020. This information may have changed after that date. To find out what may have changed, call us at 855.368.0410 or write to us at UMB Bank, n.a., P.O. Box 419734, Kansas City, Missouri 64141-6734.

2 To receive 40 PV from Life, approved applicants must use their new Life Visa Rewards Credit Card to make a purchase within 90 days of account opening. Balance transfers or cash advances are not eligible. PV will be awarded in the month following the month in which the 1st purchase was made. The 40 PV benefit is a one time only reward after making your first purchase.

3 You will earn two (2) Points per dollar on Net Purchases at Life events and at mainhomepage.com when using your Life Visa Rewards Credit Card. You will earn one (1) Point per dollar on all other Net Purchases when using your Life Visa Rewards Credit Card. “Net Purchases” refers to the Purchase Advance of goods or services made minus any returns, refunds or Purchases that were unauthorized. The following transactions are excluded from “Purchases” and do not earn rewards points: convenience checks, balance transfers (unless our balance transfer offer specifically says otherwise), cash advances, returns, finance charges and credit card interest or fees.

4 Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.

By applying for and using your Life Rewards Visa Card, you are authorizing Issuer to share information with Life and its affiliates as necessary to fulfill rewards, any new account gift offering; this will include sharing your email address, mailing address and phone number, and updates thereto, with Life.

The current rewards, the conditions and qualifications to earn those rewards, certain exceptions and exclusions, and certain incidental fees that you may incur if you select certain rewards options, are set forth in the Program Terms and Conditions which are available at www.dreampoints.com/lifeleadership. Subject to credit approval. Credit cards issued by UMB Bank, n.a. under a license from Visa, USA, Inc.