Umpqua Bank Visa® Platinum Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and customer service info for The Umpqua Bank Visa® Platinum Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0% intro APR on purchases0% intro APR on balance transfersNo rewardsNo initial rewards bonusBalance transfer feeHigh regular APR
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 5 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.
Umpqua Bank Visa® Platinum Card has a rating of 3.9/5 according to our proprietary credit card rating system. This rating reflects how appealing Umpqua Bank Visa® Platinum Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases'. To break it down further, Umpqua Bank Visa® Platinum Card earned a score of 4.0/5 for Fees, 0.0/5 for Rewards, 3.7/5 for Cost, 4.9/5 for APR, and 3.0/5 for User Reviews. Info about the Umpqua Bank Visa® Platinum Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.0/5
67 reviewsRead and write reviews
Market Comparison
Market Comparison
4.0
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases” for this card.
Fees
4.0
Rewards
0.0
Cost
3.7
APR
4.9
4.0/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 18 months, 18.24% - 29.24% (V) APR after that
Balance Transfer
0% intro APR for 18 months, 18.24% - 29.24% (V) APR after that
Balance Transfer Fee:5% (min $5)
Umpqua Bank Visa® Platinum Card's Additional Info
0% Introductory APR for 18 months on balances transferred within 558 days of account opening.
Enjoy peace of mind with chip-enhanced acceptance, zero fraud liability, emergency card replacement, travel and emergency assistance, extended purchase warranties and 24/7 U.S.-based customer service.
Make mobile purchases with compatible Apple®, Android® or Samsung® phones.
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 5 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.
User Reviews
3.0
Market Comparison
4.0
fees: 4.0
rewards: 0.0
cost: 3.7
APR: 4.9
4.2WalletHub Rating
WalletHub Rating
4.2
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 5 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.
Editor’s Rating
4.5
User Reviews
3.5
Market Comparison
4.2
fees: 5.0
rewards: 5.0
cost: 4.3
APR: 3.8
4.2WalletHub Rating
WalletHub Rating
4.2
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 5 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.
Editor’s Rating
4.8
User Reviews
3.2
Market Comparison
4.2
fees: 4.0
rewards: 0.0
cost: 4.0
APR: 5.0
(67)
(5,110)
(126)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0% for 18 months
Purchase Intro APR0% for 15 months
Purchase Intro APR0% for 21 months from account opening
transfer intro apr0% for 18 months|Transfer Fee:5% (min $5)
transfer intro apr0% for 15 months|Transfer Fee:3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
transfer intro apr0% for 21 months from account opening on qualifying balance transfers|Transfer Fee:5% (min $5)
Can't find what you are looking for? Submit your question about Umpqua Bank Visa® Platinum Card to our community. 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 18 months for both purchases and balance transfers.
You can apply for the Umpqua Bank Visa® Platinum Card online, through the bank's website. This way, you can easily access the credit card's application form and complete it at your own pace. You can also apply in person at your local Umpqua Bank branch. Unfortunately, you cannot apply for this card over the phone.
How to Apply for the Umpqua Bank Visa® Platinum Card Online
Visit the bank's website and log in to your online account.
There is no disclosed starting credit limit for the Umpqua Bank Visa® Platinum Card. For the most part, credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.
That said, the Umpqua Bank Visa® Platinum Card credit limit that you start with isn't necessarily your credit line forever. You can ask to get a credit limit increase by calling the Umpqua Bank customer service number on the back of your card, but...
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.
Share your insights and review for the Umpqua Bank Visa® Platinum Card
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3.0
67 reviews
67 reviews
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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.
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Josh Sharp @josh.sharp.9216
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3 Star Rating
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.
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Joe Weider @joe_weider
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2 Star Rating
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.
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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 Visa® Platinum Card
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