The Umpqua Visa Business Cash Card has a welcome bonus offer of: $25 bonus cash for new cardmembers after they make their first credit card purchase. Although it’s not the best bonus there is to offer with no annual fees included. The Ink Business Unlimited℠ Credit Card also comes with no annual fee.
The Umpqua Business Cash card allows you to get 1% cash back on all daily expenses with some bonuses for different items in other options included such as:
- 3% cash back on office supplies and telecom services
- 2% cash back on dining and gas
For this card, there aren’t any limits placed for how much you can earn for cash back options. However, if your company expenses don’t fit the Umpqua Business Cash card’s different bonus options, then you should look into getting a flat-rate rewards credit card like Umpqua Visa Business Real Rewards Card, that has an introductory offer of 1.5x points on all daily expenses.
Umpqua Business Cash Card Quick Facts
| Bonus Available | Receive $25 bonus cash after charging your card with its first purchase. |
| Bonus Value | $25 |
| Ongoing Rewards/Benefits | Get unlimited 3% cash back on all qualifying expenses from: office supply stores, cellular phone, landline, internet and cable TV services.
Gain 2% cash back on restaurant and gas station qualified purchases. Receive 1% cash back on all other qualifying 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
- Unlimited rewards
Cons
- Good-Excellent credit needed to qualify
- Foreign transaction fees
Editor’s Alternate Pick
 The Ink Business Unlimited® Credit Card offers $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. You'll earn an unlimited 1.5% cash back on every purchase made for your business and you'll receive employee cards at no additional cost. This card carries no annual fee. |
Umpqua Business Cash Card $25 Bonus Cash Offer
The Umpqua Business Cash card has an offer of: $25 bonus cash as a gift for signing up for this card. You must charge your card with its first purchase if you want to be able to qualify. There aren’t any spending or time limits placed on this card.
Redeeming Umpqua Business Cash Card Rewards
There are 2 choices you can choose from when you want to redeem your Umpqua Business Cash Rewards such as:
- Cash deposit to an Umpqua checking or savings account (within 7 business days)
- Statement credit to your card account (within 1-2 billing cycles)
Keep in mind that your Umpqua Business Cash Rewards expire in 5 years so it would be best to use them before then or they will disappear.
Bottom Line
The Umpqua Business Cash card is well suited for companies that invest a decent amount of money on: office supplies, telecom, dining and gas purchases. It works even better if your company has a deposit account with Umpqua Bank. However, if your company’s purchases do not balance nicely with the Umpqua Business Cash card’s bonus options, then you should consider getting a flat-rate rewards credit card such as Umpqua Business Real Rewards Card.
(Visit Umpqua Business for more information)
What’s the Competition?
There are some of Umpqua Visa Business Cash credit card’s top competitors listed below.
 The Ink Business Cash® Credit Card offers $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. You'll earn: • 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 • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year • 1% cash back on all other card purchases with no limit to the amount you can earn. This card comes with no annual fee. You'll be able to take advantage of employee cards at no additional cost. |
 The Capital One Spark Cash Select offers $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening. You'll earn: • Unlimited 1.5% cash back could mean thousands of dollars each year going back into your business with no categories to limit your purchasing. • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel This card comes with no annual fee and employee cards at no additional cost. |
