This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 10 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 10 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
fees
8.0
cost
6.4
Interest Rates
7.6
User Reviews
6.0
Purchase Intro APR→0% for 15 months
Transfer Intro APR→0% for 15 months|Transfer Fee:3% (min $5)
My fiance Banks here we traveled last summer and had called the card service and told them that we were going to travel and where we were going and to expect transactions in those areas we also told the bank the same information while traveling the bank and the credit card both failed us and closed and didn't work we had all kinds of problems and had to call several different times and three different credit cards later yeah this bank is going to be fired a number of problems have happened to the credit card is backed up Financial guaranteed credit card with this Bank not recommending this to anyone in fact it's all incredibly disgusting he has his personal bank checking account card that didn't work either and after reading all of the reviews I've read so far on this site I think this is pretty much number 2 next to Wells Fargo in let's Sue the really bad boys ...Wells got to be a problems since 97 with me...shame on you.. Go to school of business laws cause you're failing FAR FROM WORLDS GREATEST
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Product: Umpqua Bank Credit Cards
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mcleesalexi @mcleesalexi
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1 Star Rating
By far the most disrespectful degrading Bank I've ever worked with in my 30 years of banking f you Umpqua. You are thieves especially you Mike downtown Tacoma main branch manager you're a piece of crap
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Product: Umpqua Bank Credit Cards
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Margo Pelagal @pelagalli
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1 Star Rating
I am very very unhappy with Umpqua Bank. I lost my debit card. I stopped it on May 25th 2021. I still have NOT received a replacement after two weeks. I have called the Montesano, WA branch two times. I talked with Carrie and was told that it takes 10 days to receive the replacement. It has now been 14 days. They told me they can not print a debit card locally. Well, why must it take 10 business days? Our Community Credit union will have one for you the next day so what is the problem? I am sure they don’t print them locally either. I am having issues now with my payments coming through. I have no way to offer these subscriptions and account payable information to debt my account. I have been inconvenienced again, as the local branch closed and now I have to drive 11 miles out of my way to take money out of Umpqua and transfer it to another banking account. ( OCCU) The customer service is not as good as it use to be. I have been banking with Umpqua for at least 10 years. I use to think they were the best bank. Sorry to say I am about to close my account there. Terrible customer service.
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Product: Umpqua Bank Credit Cards
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lstewart8219 @lstewart8219
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1 Star Rating
I can’t believe they decreased my credit limit! I have never missed a payment, and my credit Is good I don’t have bad credit ! I just put $1000 down and decrease to the payment I made! I think this virus is putting banks in a panic and they are not thinking about the people at all. That’s so rude. Going to pay it off and cut my card up I will not be getting another one from them....
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Product: Umpqua Bank Credit Cards
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Jordan Webb @jordan_webb_9212
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4 Star Rating
The Atlantic Stewardship Bank Visa Platinum card seems like a decent deal, at least for a small amount of time. The first year 0% intro rate is a standard feature of this card that doesn’t make it stand out, but definitely makes it worth your while. However, a lack of other features make it less desirable than other cards. Most notably, there is no rewards program, and the interest rate after the first year is quite high, especially for an individual with excellent credit. I’d say that if you have great credit, there are most likely better options out there for you.
This card is a lot like other cards but requires excellent credit to obtain. The Atlantic Stewardship Bank Visa Platinum Credit Card also has a higher late fee than many other credit cards do. Also having no max over limit fee's can end up with you owing a lot of money if you were to have an emergency and not being able to pay for a couple months. Personally I do not think you should spend your hard earned money or time on this card and should look for a more traditional card with a well known credit card company. You will have better luck finding a card with smaller fee's and lower requirements.
The Atlantic Stewardship Bank Visa Platinum Credit Card is yet another card that requires excellent credit for approval yet isn’t worth your time. It doesn’t have rewards and while it does offer 0% intro rates for purchases and balance transfers for 12 months, there are cards out there that offer those terms for nearly twice as long. Plus Atlantic Stewardship Bank isn’t exactly a household name so if you were going to factor customer service considerations into your credit card search, even that wouldn’t be likely to make the Atlantic Stewardship Bank Visa Platinum Credit Card worthwhile. Since its not worth your time or your credit standing, you’ll need to consider other options.
People interested in 0% intro rates, should look to the Citi Simplicity Card or the Citi Platinum Select Card because both offer 0% on transfers and purchases for 21 months and just like the Atlantic Stewardship Bank Visa Platinum Credit Card don’t have annual fees. My recommendations for those interested in rewards would have to be the Capital One Cash Card (1.5% cash back on all purchases), the Blue Cash Everyday from Amex (3% at supermarkets, 2% at department stores and gas stations, 1% on everything else), or the Chase Sapphire Preferred ($500 cash initial bonus). Any of these cards mentioned are attainable with excellent credit and all are better than the Atlantic Stewardship Bank Visa Platinum Credit Card.
Get answers to your questions about Umpqua Bank Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
There's no way to earn points with the Umpqua Bank Visa® Platinum Card because it isn't a rewards card. It's a credit card that comes with an intro APR of 0% for 15 months for both purchases and balance transfers.
Keep in mind that you will need at least good credit to get the Umpqua Bank Visa® Business Card.
A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people's scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You...
Online: Applying online is the fastest and easiest way. You'll have to fill out personal and business information, along with some financial information, like annual income.
In person: You can also apply by visiting a local branch;
Invitation: Responding to a Umpqua Bank Visa® Business Card offer is another way to apply for the card.
Unfortunately, you cannot apply over the phone.
The Umpqua Bank Visa® Business Card requires excellent score...
For the Umpqua Bank Visa® Platinum Card, you'll need a credit score of at least 750. That means you must have excellent credit to be considered eligible for a new account.
And while your credit score is important, it's not the only factor determining your eligibility. The issuer will also look at other information such as your payment history, income, and debts.
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WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Umpqua Bank Secured Visa® Card, Umpqua Bank Visa® Platinum Card, and Umpqua Bank Visa® Business Card
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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