Umpqua Bank Visa® Travel Rewards+
Umpqua Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Umpqua Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Umpqua Bank Visa® Travel Rewards+ from Umpqua Bank earns up to 4% effective value on gas in Madeen's catalog snapshot. Its annual fee is $99.
- Top category
- Gas
- Effective value
- 4%
- Annual fee
- $99
Best for gas-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in gas and can earn 4% back. Travel perks may add value beyond the earn rate.
What does the Umpqua Bank Visa Travel Rewards+ earn in each category?
Gas is the strongest category at 4% effective value (4% back). That gas rate ranks higher than about 92% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Umpqua Bank Visa Travel Rewards+ compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight other entertainment at 4x among.
Gas is the strongest category at 4% effective value (4% back). That gas rate ranks higher than about 92% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Umpqua Bank Visa Travel Rewards+ compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% |
| Grocery Supermarkets and grocery stores | 2% back | 2% |
| Gas Gas stations and fuel | 4% back | 4% Top category |
| Travel Flights, hotels, transit | 2% back | 2% |
| Other General everyday spend | 2% back | 2% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Umpqua Bank Visa Travel Rewards+ reward caps and conditions?
The Umpqua Bank Visa Travel Rewards+ has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 4x unlimited points on travel, gas stations, electric vehicle charging stations, entertainment, and recreation purchases
Who should get the Umpqua Bank Visa Travel Rewards+?
The Umpqua Bank Visa Travel Rewards+ fits spenders who put meaningful volume in gas and can earn 4% back. Best for spenders who put meaningful volume in gas and can earn 4% back. Travel perks may add value beyond the earn rate.
Umpqua Bank Visa Travel Rewards+ fits spenders who put meaningful volume in gas and can earn 4% back. Madeen ranks its gas effective rate higher than about 92% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 4% back. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for gas-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is gas at about 4% effective (4% back).
- That gas rate ranks higher than about 92% of cards we track in the category.
- No foreign transaction fee listed.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $99 annual fee requires enough spend in bonus categories to offset.
Does the Umpqua Bank Visa Travel Rewards+ have an annual fee?
The Umpqua Bank Visa Travel Rewards+ has an annual fee of $99 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $99
- Foreign transaction fee
- None
What travel perks does the Umpqua Bank Visa Travel Rewards+ include?
The Umpqua Bank Visa Travel Rewards+ includes Lounge access, ID Navigator Powered by NortonLifeLock, Lounge Access in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Lounge access
Complimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
What benefits come with the Umpqua Bank Visa Travel Rewards+?
Lounge Access
$99/yrComplimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
ID Navigator Powered by NortonLifeLock
$10/yrProvides tools so you can act quickly if your identity is threatened.
Related encyclopedia topics
Common questions about the Umpqua Bank Visa Travel Rewards+
Where do cardholders spend most with the Umpqua Bank Visa Travel Rewards+?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on other entertainment (4x), sporting events amusement parks and museums (4x), sporting goods (4x) for the Umpqua Bank Visa Travel Rewards+. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Umpqua Bank Visa Travel Rewards+ have an annual fee?
The Umpqua Bank Visa Travel Rewards+ carries an annual fee of $99 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Umpqua Bank Visa Travel Rewards+?
Gas is the strongest Madeen category for the Umpqua Bank Visa Travel Rewards+ at about 4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Umpqua Bank Visa Travel Rewards+ charge foreign transaction fees?
The Umpqua Bank Visa Travel Rewards+ does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the Umpqua Bank Visa Travel Rewards+ annual fee worth it?
Whether the $99 annual fee pays off depends on how much you spend in gas and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Umpqua Bank Visa Travel Rewards+?
Madeen's catalog lists a typical credit range of Good to Excellent for the Umpqua Bank Visa Travel Rewards+. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Umpqua Bank Visa Travel Rewards+ compare to similar cards?
Compare the Umpqua Bank Visa Travel Rewards+ against Umpqua Bank Visa Max Cash Preferred (5% on Other, $0 fee); Umpqua Bank Visa Everyday Rewards+ (4% on Dining, $0 fee); Umpqua Bank Visa Business Cash Preferred (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Umpqua Bank Visa Travel Rewards+ This card | Gas | 4% | $99 |
Umpqua Bank | Other | 5% | $0 |
Umpqua Bank | Dining | 4% | $0 |
Umpqua Bank | Dining | 3% | $0 |
Umpqua Bank | Dining | 2% | $390 |
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Umpqua Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Umpqua Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure