Start earning rich rewards and get travel or lifestyle benefits with the Premier Rewards American Express® Card! This card is currently offering 10,000 bonus points when you spend $1,000 in the first three months of account opening.
You can earn up to 4X rewards on eligible purchases like restaurants, airlines, or gas stations, while also earning 1 point for every dollar spent on other purchases! Plus it’s good to know that there’s no limit on the points you can earn!
However, if you’re looking for a card with no annual fee, look into the Umpqua Real Rewards Card. But if this card is the one for you, continue reading below to learn more about its features!
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Umpqua Premier Rewards American Express Card
|Bonus Available||Get 10,000 bonus points after you spend $1,000 in the first 3 months from account opening.|
|Foreign Transaction Fees||No|
|Airport Lounge Access||None|
|Annual Fee||Waived first year, $99|
- Welcome bonus
- Unlimited rewards
- No foreign transaction fees
- Annual fee
- Good-Excellent credit needed to qualify
Editor’s Alternate Pick
The Chase Sapphire Preferred Card offers 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards.
• 5X points on travel purchased through Chase Ultimate Rewards
• 3X points on dining
• 3X points on select streaming services and online grocery purchases
• 2X points on all other travel purchases
• 1X point per $1 spent on all other purchases
Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit and when you redeem your points for travel through Chase Ultimate Rewards, you'll get 25% more value!
You get unlimited deliveries with a $0 delivery fee & reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
This card carries a $95 annual fee.
Umpqua Premier Rewards Card
10,000 Bonus Points Offer
With the Umpqua Premier Rewards card, you can earn the 10,000 bonus points when you sign up. In order to qualify, charge at least $1,000 to card within the three months of opening your account.
|• Plastiq - Using Plastiq allows you to pay for your personal expenses such as rent, tuition, mortgage, auto lease etc. Although they charge a 2.5% processing fee for using your credit card, this will contribute to the card bonus that you will receive. There is also a referral program that allows you to earn "Free-Free Dollars" that goes towards processing fees as well.|
|• Funding Checking Accounts - When it comes to funding a checking account, opening your initial deposit with a credit card is the usual way to go about it. However, if you want to have more opportunities, you should open a checking account that offers a sign-up bonus. This allows you to work towards bonuses from not one but two different sources instead. Banks like Chase, Huntington Bank, TD Bank and BBVA offers credit card funding, and for your opening deposit, you can often fund anywhere from $50-$1000 with a credit card, depending on the bank.|
|• Gift Card Purchases With Using a Credit Card - Another way to acquire the bonus is using your credit card to purchase gift cards. Buying a a gift card or an individual merchant card typically do not require a purchase fee and are used towards leisure, so gift cards are ideal. However, gift cards such as a Visa or American Express do incur purchase fees because they can be spent anywhere, but gift cards that are specifically for a certain online shopping site such as Amazon or eBay don't.|
|As for a Citi Credit Card, you should call customer service and ask them to lower your Cash Advance limit to $0 before making any purchases because Citi tends to read gift card purchases as a Cash Advance.
Ideally, you should do this with any card just to be safe. Lastly, there is such thing as a discounted gift card which can be purchased on Raise or eBay. If you use a credit card often for everyday purchases, it can build your credit score that will contribute towards paying for things such as bills and taxes.
What are Umpqua Premier Rewards Points Worth?
The Premier Rewards card acts like a cashback card because when it comes time to redeem your Umpqua Premier Rewards points, you only have two options:
- Cash deposit to a Umpqua Bank checking or savings account
- Statement credit to your credit card account
Your points are worth the standard $0.01. Please note that your Umpqua Premier Rewards points do expire, so make sure to redeem within five years of earning them.
If you find yourself spending money on dining out, airlines, and gas during your travels then consider signing up for the Premier Rewards American Express® Card from Umpqua Bank.
Start earning rewards up to 4X points with no limits! Furthermore, this card doesn’t have any foreign transaction fee, so you can use it anywhere outside of the U.S. and not worry about paying unnecessary fees!
However, if the annual fee puts you off then consider looking into a low-cost card option like the Umpqua Visa Real Rewards. If you’re interested in banking with Umpqua Bank then read our full bank review. For more credit card otpions, see our latest list of best credit card bonuses!
(Visit Umpqua Bank to learn more about this card and its features)
The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
Who’s the Competition?
The Southwest Rapid Rewards Premier Credit Card offers 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
In addition, you'll earn 6,000 bonus points after your Cardmember anniversary each year.
• 2x points per $1 spent on Southwest® purchases & Rapid Rewards® hotel/car rental partner purchases;
• 1x point on all other purchases.
You're able to redeem your points for flights, hotel stays, gift cards, access to events and more.
This card does carry a $99 annual fee, but there are no foreign transaction fee.
The United Explorer Card offers 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open.
• Earn 2 miles per $1 spent on dining, hotel stays, and United purchases
• Earn 2 miles per $1 spent on dining including eligible delivery services
Perks of this card include:
• Getting up to $100 Global Entry / TSA PreCheck Fee Credit
• Get your first bag checked for free (up to $140 savings per roundtrip) when you using your Card to purchase your ticket
• Get priority boarding perks & visit the United Club with 2 one-time passes each year for your anniversary
This card does come with a $95 annual fee, however, the annual fee is waived for the first year.
The Capital One SavorOne Cash Rewards Credit Card offers $200 cash back after spending $500 on purchases within 3 months from account opening.
You'll earn 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases.
This card comes with no annual fee and no foreign transaction fees.