The Umpqua Bank is a business credit card from Umpqua Bank. Application typically pulls a hard report from Experian. The annual fee is No annual fee.. The ongoing APR is 17.24% to 26.24% based on your creditworthiness when you open your account. after a 0% introductory APR for the first 6 billing cycles. introductory rate for 6 months. Signup bonus: 2,500 bonus points (worth up to $25) after your first purchase.. Rewards: 1.5X points per $1 spent on all other eligible purchases.. Cash back: 1.5X points per $1 spent. Underwritten by Elan Financial Services (US Bank program). Bureau pull varies by state: TransUnion (~52%), Experian (~25%), Equifax (~24%).