The Umpqua Visa Real Rewards Card has a limited-time introductory offer of: 2,500 bonus points when you charge your card for the first time. Umpqua Bank states that their offer will be worth about $25 for cash back. Even though it’s not the best bonus there is to offer, it’s still a decent offer for a card that has no annual fees. See our list for more no-annual-fee credit cards such as the Capital One® SavorOne® Cash Rewards Credit Card.
The Umpqua Real Rewards card is easy to use with their 1.5x points for all daily expenses. There aren’t any limits placed on your card for how many points that you can gain.
If you want to receive more for your moneys worth, then you should look into the Umpqua Premier Rewards Card but it does come with an annual fee of $99, but it does include an offer for unlimited bonus points for: dining, gas, and airline expenses.
Umpqua Real Rewards Card Quick Card Facts
| Bonus Available | Receive 2,500 bonus rewards points after making your first purchase. |
| Bonus Value | $25 |
| Travel Credit | No travel credit |
| Ongoing Rewards/Benefits | Gain unlimited 1.5 points for each $1 used for qualifying purchases. |
| Foreign Transaction Fees? | 2% in USD 3% in foreign currencies |
| Airport Lounge Access | No |
| 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
- Simple rewards
Cons
- Good-Excellent credit needed to qualify
- Foreign transaction fees
Editor’s Alternate Pick
Umpqua Real Rewards Card 2,500 Bonus Points Offer
This Umpqua Real Rewards card is only available for a limited time, they are offering 2,500 bonus points for anyone who’s a new card member. Their points will be worth about $25.
You must charge your card with its first purchase to be able to qualify for this credit card offer.
What are Umpqua Real Reward Points Worth?
Even though this card is advertised as a point-based credit card, the Umpqua Real Rewards works as a cash back card as well. When you are ready to redeem your rewards points, you will be presented with 2 different choices like:
- Cash deposit to an Umpqua Bank checking or savings account
- Statement credit to your card account
The Umpqua Real Rewards points will be worth about an average of $0.01 per point. Keep in mind that they will expire 5 years after receiving your rewards, so make sure that you use them before they’re gone.
Bottom Line
The Umpqua Real Rewards card is a great credit card to have if you spend money on lots of different options. It would be even better if you already own a deposit account with Umpqua Bank, you will be able to redeem your points into this account.
However, if you want to gain more rewards for the future to come, then you should consider getting a rewards credit card that has more bonus offers to choose from like the Umpqua Premier Rewards Card.
(Visit Umpqua Bank for more information)
What’s the Competition?
There are some of Umpqua Visa Real Rewards credit 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! |
