Credit Cards

Adirondack Bank offers a Visa® Simply Rewards™ Card* with no annual fee and featuring the Simply Rewards™ program. Stop in to see a Branch Banking Representative for details or click on the link below to apply today!

Your life. Your choice.

Earn more rewards for all your everyday purchases.¹

Apply Online Today

for a Simply Rewards™ Visa® Credit Card

Apply Now

Ask a Branch Banking Representative for details.


 3x the points
 GroceryStores Grocery Stores 
 DiscountStores Discount Stores
 GasStations Gas Stations
 Restaurants Restaurants and Fast Food


 1x the points
OtherPurchases All other purchases

We make it easy to redeem

Access your account to see how many points you’ve earned through online banking or your monthly statement at

Redeem your reward points for Account Credits, Gift Cards, Travel, Entertainment and more.¹

Additional Visa Benefits

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.²


Including auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more.³

Online Credit Card Control

View transactions, pay bills and track expenses.

Includes eStatements with 18-months of history.

Learn more about the competitive rates and fees.  


Apply Now

Cardholder Self-Service Contacts

Online Account Access –

Rewards Points Redemption –

Customer Service – 1.800.821.5184


*Cards issued by UMB Bank, N.A.
¹Cardholders earn 3 points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards Rules for details.
²Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify UMB Bank immediately of any unauthorized use at 1-800-821-5184. For specific restrictions, limitations and other details, please consult UMB Bank.
³See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.
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