Umpqua Bank Visa® Reserve Rewards+ Card
The Umpqua Bank Visa® Reserve Rewards+ Card from Umpqua Bank earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $390. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $390
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Umpqua Bank Visa Reserve Rewards+ Card earn in each category?
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 2% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 2% |
| Gas Gas stations and fuel | 2x points | 2% |
| Travel Flights, hotels, transit | 2x points | 2% |
| Other General everyday spend | 2x points | 2% |
Madeen values Elan Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Umpqua Bank Visa Reserve Rewards+ Card?
The Umpqua Bank Visa Reserve Rewards+ Card fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points. Travel perks may add value beyond the earn rate.
Umpqua Bank Visa Reserve Rewards+ Card fits spenders who put meaningful volume in dining and can earn 2x points. Madeen ranks its dining effective rate higher than about 29% 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 dining and can earn 2x points. Travel perks may add value beyond the earn rate.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $390 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 2% effective (2x points).
- No foreign transaction fee listed.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $390 annual fee requires enough spend in bonus categories to offset.
- Elan Rewards value depends on how you redeem, not straight cash back.
Does the Umpqua Bank Visa Reserve Rewards+ Card have an annual fee, and what's the welcome bonus?
The Umpqua Bank Visa Reserve Rewards+ Card has an annual fee of $390 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $390
- Foreign transaction fee
- None
What travel perks does the Umpqua Bank Visa Reserve Rewards+ Card include?
The Umpqua Bank Visa Reserve Rewards+ Card includes Trusted traveler credit, Lounge access, ID Navigator Powered by NortonLifeLock, Lounge Access and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
- Trusted traveler creditTSA PreCheck® or Global Entry® credit.
- Lounge accessComplimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
What benefits come with the Umpqua Bank Visa Reserve Rewards+ Card?
- ID Navigator Powered by NortonLifeLock
Provides tools so you can act quickly if your identity is threatened.
- Lounge Access
Complimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
- Statement Credit
Up to $240 in statement credits for categories like sports and fitness, personal care, entertainment, streaming services and dining/restaurants.
- Travel Credit
$100 travel credit when you book through the Rewards Center.
- Trusted Traveler Credit
TSA PreCheck® or Global Entry® credit.
- Wine Credit
$60 Priority Wine Pass credits.
Common questions about the Umpqua Bank Visa Reserve Rewards+ Card
Does the Umpqua Bank Visa Reserve Rewards+ Card have an annual fee?
The Umpqua Bank Visa Reserve Rewards+ Card carries an annual fee of $390 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 Reserve Rewards+ Card?
Dining is the strongest Madeen category for the Umpqua Bank Visa Reserve Rewards+ Card at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Umpqua Bank Visa Reserve Rewards+ Card charge foreign transaction fees?
The Umpqua Bank Visa Reserve Rewards+ Card 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the Umpqua Bank Visa Reserve Rewards+ Card annual fee worth it?
Whether the $390 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Umpqua Bank Visa Reserve Rewards+ Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Umpqua Bank Visa Reserve Rewards+ Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Umpqua Bank Visa Reserve Rewards+ Card?
Rewards on the Umpqua Bank Visa Reserve Rewards+ Card post as Elan Rewards. Redemption value depends on how you use Elan Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Umpqua Bank Visa Reserve Rewards+ Card compare to similar cards?
Compare the Umpqua Bank Visa Reserve Rewards+ Card against Umpqua Bank Visa Everyday Rewards+ (4% on Dining, $0 fee); Umpqua Bank Visa Business Cash Preferred (3% on Dining, $0 fee); Umpqua Bank Visa Max Cash Preferred (5% on Other, $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 Reserve Rewards+ Card This card | Dining | 2% | $390 |
Umpqua Bank | Dining | 4% | $0 |
Umpqua Bank | Dining | 3% | $0 |
Umpqua Bank | Other | 5% | $0 |
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