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The Umpqua Visa Business Real Rewards Card is offering 2,500 bonus points after you make your first card purchase. This introductory offer is worth $25, according to Umpqua Bank. It’s not the best bonus out there, but you also don’t have to spend much to qualify for it. See our list for more business credit cards such as the Ink Business Unlimited® Credit Card.
The Umpqua Business Real Rewards card, like Umpqua Real Rewards, offers an unlimited flat-rate of 1.5x points on all purchases. Both cards carry no annual fees, but the personal Real Rewards card currently has 10,000 bonus points (worth $100) as its welcome offer.
*Umpqua Bank also offers bonuses on its checking & savings accounts.
| Bonus Available | Get 2,500 bonus points after your first card purchase. |
| Bonus Value* | $25 |
| Travel Credit | No |
| Ongoing Rewards/Benefits | Earn unlimited 1.5 points for every eligible $1 you spend. |
| Foreign Transaction Fees | 2% in USD 3% in foreign currencies |
| Airport Lounge Access | No |
| Annual Fee | $0 Free employee cards |
*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.
Recommended Credit Score (Get Your Free Score)
PROS
- No annual fee
- Welcome bonus
- Unlimited rewards
- Free employee cards
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 Real Rewards Card 2,500 Bonus Points Offer
The Umpqua Business Real Rewards card has a modest introductory offer of 2,500 bonus points. These points are worth $25 (more on that later).
To qualify, charge your first purchase to your card. It’s that simple. Other cards require you to reach a spending threshold within a certain time frame to get the bonus.
What Are Umpqua Business Real Rewards Points Worth?
Most points-based cards have varying point values, depending on how you redeem your rewards. But Umpqua Business Real Rewards points have constant value – the standard $0.01 each – no matter what redemption option you choose.
When you’re ready to use your points, you have several options:
- Cash deposits to an Umpqua Bank account
- Statement credits to your card account
- Travel savings
- Gift cards
- Merchandise
Unfortunately, Umpqua Business Real Rewards points do expire, so make sure to use redeem them within five years.
Bottom Line
The Umpqua Business Real Rewards card is a solid option for companies looking for simple, low-cost rewards for their business spending. But if you’re looking to get the most out of your expenses, consider a rewards card with bonus categories like the Umpqua Business Rewards Plus Card. It offers up to 3x points but also carries a $99 annual fee.
What’s The Competition?
Below are some of the top competitors to the Umpqua Visa Business Real Rewards credit card you should consider.
CAPITAL ONE SPARK MILES SELECT FOR BUSINESS
The Capital One Spark Miles Select for Business has an offer for 20,000 bonus miles when you spend $3,000 within the first 3 months. We value these 20k miles to be worth around $280 when you use Capital One’s transfer partners.
This card earns 1.5 miles per $1 on all purchases.
Earn 5X miles on hotel and rental car bookings through Capital One TravelSM using this card. You can get more flexibility with your miles with Capital One’s 10+ transfer partners. Read more about this here.
Pay no annual fee or foreign transaction fees with this card.
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 |
Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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.