The Umpqua Visa Business Rewards Plus Card has an introductory offer of: 20,000 bonus points when there’s at least $2,000 spent within the first 3 months of opening your account. The Umpqua Bank states that your points will be worth about $200. See our list for more business credit cards such as the Ink Business Unlimited℠ Credit Card.
Having this Umpqua Business Rewards Plus card will allow you to gain a starting rate of 1.5x points for all your expenses. That would include an extra 1.5x points on options such as: cell phone services, hotel bookings or airline expenses, it works for what option to normally spend the most money on each month. There aren’t any restrictions placed on your card for gaining however many points you want.
However, if you want a card that is offered for a lower price, then you should look into getting the Umpqua Business Real Rewards card. There aren’t any annual fees to worry about and you would be receiving a flat rate of 1.5x points on daily expenses.
Umpqua Business Rewards Plus Card Quick Facts
| Bonus Available | Earn 20,000 bonus points after at least $2,000 is spent within the first 3 months of having your account open. |
| Bonus Value | $200 |
| Travel Credit | No travel credit |
| Ongoing Rewards/Benefits | Receive 1.5 points for each qualifying $1 you use.
Gain 3 points for each $1 of expenses with the options that you would spend more money on such as: cellular phone services, hotels or airlines. |
| Foreign Transaction Fees? | No |
| Airport Lounge Access | No |
| Annual Fee | $99, waived your first year 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
- Welcome bonus
- Bonus category
- Free employee cards
- No foreign transaction fees
Cons
- An annual fee
- Good-Excellent credit needed to qualify
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 Rewards Plus Card 20,000 Bonus Points
Take advantage of the Umpqua Business Rewards Plus card’s introductory offer of: 20,000 bonus points. Their points would be worth about $200, when redeeming your points it won’t change the worth of them no matter how you chose to do it. (more on that later).
You must charge a minimum of $2,000 to your card in the first 3 months of having your account open to be able to qualify.
Here are some ideas on meeting the spending requirement:
What are Umpqua Business Rewards Plus Points Worth?
Compared to most other credit cards that are point based, Umpqua Business Rewards Plus points would be worth about the same amount of a standard $0.01 per point.
Your Umpqua Business Rewards Plus points can be used towards:
- Cash deposits to an Umqua checking or savings account
- Statement credits to your credit card account
- Travel savings
- Gift cards
- Merchandise
Keep in mind that you have to use the Umpqua Business Rewards Plus points before they expire in 5 years or they will be gone forever.
Bottom Line
The Umpqua Visa Business Rewards Plus card gives a good starting rate of 1.5x points on daily expenses. This card is better suited for companies that typically invest a little more in their cell phone services, hotels or airlines.
But if your company does not spend nearly enough money to cover the annual fee of $99, then you should consider getting a low priced credit card like the Umpqua Business Real Rewards Credit Card instead.
(Visit Umpqua Business Rewards for more information)
What’s the Competition?
There are some of Umpqua Visa Business Rewards Plus credit card’s top competitors listed below.
 The United℠ Business Card offers 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. You can also receive 5,000-mile better-together anniversary bonus when you have the United Business Card and a personal United credit card. You'll earn: • 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting. • 1x mile on all other purchases. The card does carry a $99 annual fee. You're able to save up to $160 per round-trip with a free checked bag (terms apply). In addition, you can enjoy priority boarding privileges and have the opportunity for two one-time United ClubSM passes each year — Over $100 in value per year. Also, enjoy $100 annual United travel credit after 7 United flight purchases of $100 or more. Member FDIC |
 The Hilton Honors American Express Business Card has a welcome offer of 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 4/29/2025. You'll earn: • Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases. • Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter. • Enjoy up to $240 back each year (in the form of statement credit) for eligible purchases made directly with Hilton. • Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club program is required. Terms apply. • Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay. In addition, you can enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card. This card has a $195 annual fee. (See Rates & Fees) Terms & Limitations Apply. |
