CCFOA Visa® Platinum Rewards Card

The Carbon County Friends of Animals Visa® Platinum Rewards Card

Support CCFOA with every purchase:

  • No Annual Fee.
  • Low Introductory APR on purchases and no balance transfer fees for 6 months.
  • Earn bonus points for FREE airline tickets, merchandise, cash-back and more at participating merchants.
  • $50 donation by the bank when you first use the card and ongoing contributions.
  • Enhanced Visa Platinum benefits, including 24/7 Emergency Customer Service, 100% Fraud Protection, Auto Rental and Travel Accident Insurance and much more.

Funds from our new Visa program will help us find homes for animals in our shelter. Vaccinations, checkups, exams and food can be very costly. Please help us find loving homes for the animals in our shelter. We greatly appreciate your contribution. Thank you for choosing and using your favorite card.

This program is only open to U.S. residents age 18 and older.

To apply by mail, print_button_tinydownload and print this application.

Application [pdf]

Frequently Asked Questions

Q. How does opening a credit card with UMB benefit Carbon County Friends of Animals?

A. Carbon County Friends of Animals receives $50 for each approved application that is activated and used within 90 days of approval. Additionally, a percentage of every retail purchase made using the card will be donated to Carbon County Friends of Animals.

Q. Who is UMB?

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,

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 + 8.74%, currently 11.99%.

Q. Can I apply over the phone?

A. Unfortunately, not at this time.

Q. How can I get an application by mail?

A. Paper applications will be available at certain Carbon County Friends of Animals events or by contacting We encourage you to apply securely online to help us reduce marketing and processing costs.

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. Do I have to activate and use the card within a certain time period for the Carbon County Friends of Animals to receive the $50?

A. Yes. But you only need to use the card once within the first 90 days for us to receive the $50 bounty. Of course, we encourage you to make it your primary card because Carbon County Friends of Animals receives a percentage of every retail purchase at no additional cost to you.

Q. How does the rewards program work?

A. Simply use your card 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 Bonus Rewards points will automatically be credited to your Bonus Rewards Activity 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.

* 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 February 22, 2010.