The Umpqua Cash Rewards American Express Card has a welcome bonus offer of: $25 bonus cash when you charge your card with its first purchase. Even though it’s not the best bonus there is to offer, it’s a simple process to gain this bonus. See our list for more credit cards such as the Capital One® SavorOne® Cash Rewards Credit Card.
Although there isn’t anything particularly special about the Umpqua Cash Rewards card, it does give you cash back on all your expenses such as:
- 3% cash back at gas stations (capped at $6,000 spent annually)
- Unlimited 2% cash back at supermarkets
- Unlimited 1% cash back everywhere else
But if you don’t normally spend money at gas stations or supermarkets, then you should consider getting the Umpqua Real Rewards Card for a better suited card. There are no annual fees included and has an earning flat rate of 1.5x for your points on daily purchases.
Umpqua Cash Rewards Card Quick Facts
| Bonus Available | Receive a $25 cash back reward bonus after charging your card with its first purchase. |
| Bonus Value | $25 |
| Ongoing Rewards/Benefits | Get 3% cash back on the first $6,000 used on qualifying purchases made each year at gas stations.
Gain 2% cash back on supermarket purchases. Earn 1% cash back on other daily purchases. |
| Foreign Transaction Fees? | 2% in USD 3% in foreign currencies |
| Annual Fee | $0 |
Recommended Free Credit Score (Get Free Score)
690 – 850 (Good – Excellent)
*If interested in Umpqua Bank see our list of credit card offers for Checking & Savings accounts.*
Pros
- No annual fee
- Welcome bonus
Cons
- Good-Excellent credit needed to qualify
- Limited 3% bonus category
- Foreign transaction fees
Editor’s Alternate Pick
 The Capital One Savor Cash Rewards Credit Card offers a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 3% Cash Back at grocery stores (excluding superstores like Walmart and Target), on dining, entertainment and popular streaming services. • 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). • 8% Cash Back on Capital One Entertainment purchases. • 1% Cash Back on all other purchases. This card comes with no annual fee and no foreign transaction fees. |
Umpqua Cash Rewards Card $25 Bonus Cash Offer
The Umpqua Cash Rewards card is giving a welcome bonus offer of: $25 bonus cash for a limited time to show customer appreciation for signing up for this offer. You must charge your card with its first purchase to be able to qualify for this offer. There will be no spending or time limits placed on this card.
Earning Umpqua Cash Rewards
Using the Umpqua Cash Rewards credit card for your daily expenses will be able to gain you a starting rate of 1% cash back. You would even be able to get an extra 1% cash back at supermarkets. There is also an extra 2% cash back on gas dispensers and service stations with as much as $6,000 spent in 12 months. After that time period is done then the gas station expenses will go back to a starting rate of 1% cash back.
Redeeming Umpqua Cash Rewards
You have 2 different choices to consider when you want to redeem your Umpqua Cash Rewards for:
- Cash deposit to an Umpqua Bank deposit account
- Statement credit to your credit card account
Remember that your Umpqua Cash Rewards will expire in 5 years so be sure to use them before then.
Bottom Line
The Umpqua Cash Rewards credit card is well suited for you if you typically spend money at gas stations and supermarkets. It’s even better if you already have an account with Umpqua Bank. However, if you normally spend money on lots of different category options, then you should consider getting a flat-rate rewards credit card such as the Umpqua Real Rewards Card
(Visit Umpqua Bank for more information)
What’s the Competition?
There are some of Umpqua Cash Rewards American Express card’s top competitors listed below.
 The Capital One Quicksilver Cash Rewards Card offers $200 Cash Back after spending $500 on purchases within 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 1.5% Cash Back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards. • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card. |
 The Capital One VentureOne Rewards Card offers 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel. Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies You'll earn: • 1.25 Miles per dollar on every purchase, every day. • 5 Miles per dollar on hotels and rental cars booked through Capital One Travel. This card comes with no annual fees and no foreign transaction fees which is a great choice as your go-to travel card! |
