The Umpqua Visa Business Real Rewards Card has an introductory offer of: 2,500 bonus points after charging your card with its first purchase. Umpqua Bank’s offer is worth about $25. Although this isn’t the best bonus there is to offer, you wouldn’t need to spend too much money to be able to qualify for this offer. See our list for more business credit cards such as the Ink Business Unlimited℠ Credit Card.
This Umpqua Business Real Rewards card, similar to the Umpqua Real Rewards, will give you an unlimited flat-rate of 1.5x points on all daily purchases. These cards don’t have any annual fees attached to them, however the personal Real Rewards credit card gives 10,000 bonus points (worth about $100) for the time being.
Umpqua Business Real Rewards Card Quick Facts
| Bonus Available | Receive 2,500 bonus points after your making your first card purchase. |
| Bonus Value | $25 |
| Travel Credit | No travel credit |
| Ongoing Rewards/Benefits | Gain unlimited 1.5 points for each qualifying $1 used. |
| Foreign Transaction Fees? | 2% in USD 3% in foreign currencies |
| Airport Lounge Access | No airport lounge access |
| Annual Fee | $0 Free employee cards |
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
- Free employee cards
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 Real Rewards Card 2,500 Bonus Points
The Umpqua Business Real Rewards card gives a good introductory offer of: 2,500 bonus points. The evaluation for the worth of these points will be about $25 (more on that later).
You must charge your card with its first purchase to be able to qualify. Compared to other credit cards, they would typically have you reach a spending threshold in a limited amount of time to be able to qualify for the bonus they offer.
What are Umpqua Business Real Rewards Points Worth?
Like many other point-based credit cards, they have different varieties of scoring their point values. Depending on how you decide to use your points will reflect their worth. Umpqua Business Real Rewards points always have a consistent value worth the standard $0.01 each it doesn’t matter how you choose to redeem your points.
There are a few different choices for you to chose from when you want to redeem your rewards points towards:
- Cash deposits to an Umpqua Bank account
- Statement credits to your card account
- Travel savings
- Gift cards
- Merchandise
Remember that Umpqua Business Real Rewards points do expire in 5 years, so be sure to use them before they disappear.
Bottom Line
The Umpqua Business Real Rewards credit card is a great option for companies who are seeking an easy low priced rewards card for their expenses. However, if you want to receive the best value for your purchases, then you should look into a rewards credit card that has more bonus options like the Umpqua Business Rewards Plus Card. They will give you a maximum of 3x points but it does have an annual fee of $99 included for the card.
(Visit Umpqua Bank for more information)
What’s the Competition?
There are some of Umpqua Visa Business Real Rewards credit card’s top competitors listed below.
 The Capital One Spark Miles Select for Business offers a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening. You can earn 1.5 miles per $1 on every purchase. Your miles won't expire for the life of the account, and there are no categories to limit where or what you buy. There is no annual fee or foreign transaction fees to worry about making this card a viable option for business travel. |
 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. |
