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The Umpqua Visa Business Cash Card is offering $25 bonus cash to new cardmembers after their first purchase. It’s not the best bonus around, even for a card with no annual fee. The Ink Business Unlimited® Credit Card also comes with no annual fee.
The Umpqua Business Cash card gives you 1% cash back on all purchases, with bonuses for items in a few different spending categories:
- 3% cash back on office supplies and telecom services
- 2% cash back on dining and gas
There’s no limit to how much cash back you can earn. But if your company spending doesn’t fall under the Business Cash card’s bonus categories, you’ll want to consider a flat-rate rewards card. Like the Umpqua Visa Business Real Rewards Card, which offers 1.5x points on all purchases.
*Umpqua Bank also offers bonuses for its checking & savings accounts.
| Bonus Available | Get $25 bonus cash after your first card purchase. |
| Bonus Value* | $25 |
| Ongoing Rewards/Benefits | Unlimited 3% cash back on all eligible purchases from office supply stores and cellular phone, landline, internet and cable TV services. 2% cash back on restaurant and gas station eligible purchases. 1% cash back on all other eligible purchases. |
| Foreign Transaction Fees | 2% in USD 3% in foreign currencies |
| Annual Fee | $0 |
*Bonus value is an estimated value calculated by MoneysMyLife and not the card issuer. Read our card review for more details.
View our latest valuations here.
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PROS
- No annual fee
- Welcome bonus
- Unlimited rewards
CONS
- Good-Excellent credit needed to qualify
- Foreign transaction fees
INK BUSINESS UNLIMITED® CREDIT CARD
The Ink Business Unlimited® Credit Card from Chase offers a $750 bonus (75,000 Ultimate Rewards points) when you spend $7,500 within the first 3 months of account opening. This card has no annual fee.
Get unlimited flat 1.5% Cash Back rewards on every purchase with this card. There are no categories to keep up with.
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards. You can pool your rewards with other Ultimate Rewards Cards (e.g. Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Ink Business Preferred® Credit Card). Pair it with one of these cards, use the available transfer partners, and 750k Ultimate Rewards points can be worth up to $1,500 in value.
Umpqua Business Cash Card $25 Bonus Cash Offer
The Umpqua Business Cash card is offering $25 bonus cash as a little thank you for signing up. To qualify, simply charge your first purchase to your card. There’s no spending requirement or time limit to worry about.
Redeeming Umpqua Business Cash Card Rewards
When it comes time to redeem your Umpqua Business Cash rewards, you have two options:
- Cash deposit to an Umpqua checking or savings account (within 7 business days)
- Statement credit to your card account (within one to two billing cycles)
Your Umpqua Business Cash rewards do expire, so make sure to use them within five years.
Bottom Line
The Umpqua Business Cash Card is a good fit for companies that tend to spend on office supplies, telecom, dining and gas. Especially if your business has an Umpqua Bank deposit account. But if your company spending doesn’t align well with the Business Cash card’s bonus categories, you’ll want to look into a flat-rate rewards card instead. For example, the Umpqua Business Real Rewards Card.
What’s The Competition?
Below are some of the top competitors to the Umpqua Visa Business Cash credit card you should consider.
INK BUSINESS CASH® CREDIT CARD
The Ink Business Cash® Credit Card from Chase has an offer for $750 bonus cash back (75,000 Ultimate Rewards points) when you spend $7,500 on purchases in the first 3 months after account opening. This card has no annual fee.
This card earns 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. It also earns 2% cash back on the first $25,000 in combined spending at gas stations and restaurants each anniversary year. All other purchases earn an unlimited 1% cash back.
You can redeem your rewards for cash back, gift cards, travel and more.
The Ink Business Cash® Credit Card earns Chase Ultimate Rewards. This allows for more redemption possibilities when paired with other Chase Ultimate Rewards cards (e.g. Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Ink Business Preferred® Credit Card). Pair it with one of these cards, use the available transfer partners, and 75k Ultimate Rewards points can be worth up to $1,500 in value.
CAPITAL ONE SPARK CASH SELECT FOR BUSINESS
The Capital One Spark Cash Select for Business is one of the best Business cash back credit cards with no annual fee. There’s an intro offer where you can earn a $200 bonus once you spend $3,000 on purchases within 3 months from account opening.
Business owners like this card because it earns unlimited 1.5% cash back on all purchases, regardless of category. Employee cards are available at no additional cost and will also earn the 1.5% rewards from their business spending. There are no foreign transaction fees with this card.
| OFFER LINK | OFFER | OUR REVIEW |
| Chase Business Complete Banking℠ | $300 Cash | Review |
| Chase Total Checking® | $225 Cash | Review |
| Chase Secure Banking℠ | $100 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience Checking℠ | $150 Cash | Review |
| HSBC Premier Checking | $450 Cash | Review |
| Axos Business Checking | $100 Cash | Review |
| Aspiration Checking | $150/$200 Cash | Review |
| Ally Invest | Up To $3,000 | Review |
| Betterment | Up To 1 Year Free | Review |
| BlockFi | Up To $250 BTC | Review |
| Voyager (code BH5F1A) | $25 In BTC | Review |
| TradeStation | $100 Bonus | Review |
| Coinbase | $10 In BTC | Review |
| Robinhood | Free Stock | Review |
| Motley Fool | Stock Advisor Discount | Review |
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Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.