ALL Rewards Mastercard®

ALL Rewards Mastercard® Review

This is a store rewards credit card issued by Comenity Bank. If you're wondering whether All Rewards credit card is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can get a rewards rate of up to 5 reward points per dollar spent.
• Signup bonus. Offers a signup bonus of up to $20 within 2 months.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 26.49%
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 5% Balance transfer fee. ALL Rewards Mastercard® charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Accepts cosigners. Comenity Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
• Gas rewards. 2x points on eligible fuel purchases.
• Fair or better credit required. You will have good approval odds if your credit score is above 640.

Pros & Cons of All Rewards credit card

The Good	The Bad
This card allows customers to build rewards points anywhere Mastercard is accepted. Cardholders receive 15% off on the first Tuesday of every month. $15 off yearly on the cardholder's birthday. No annual fee. Identity Theft Protection. Cardholders can earn rewards on their purchases. ALL Rewards Mastercard® reports to multiple credit bureaus.	High interest rate. Higher than average purchase APRs. Charges a foreign transaction fee of 3%. Charges a 5% balance transfer fee.

All Rewards credit card FAQ

Does All Rewards credit card have a cash back or rewards program?

All Rewards credit card is a rewards card.

All Rewards credit card Rewards

Minimum rewards rate	1x
Max rewards rate	5x
Annual rewards limit	N/A
Signup Bonus ($)	$20
Signup Bonus Spend Period (months)	2 months
Annual Loyalty Bonus	$15

What are the All Rewards credit card benefits?

It provides the following benefits:

• Emergency Support
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for All Rewards credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

ALL Rewards Mastercard® has a variable purchase APR of 26.49%. The card has a variable balance transfer APR of 26.99% . It also has a variable cash advance APR of 26.49% .

What are the fees for All Rewards credit card?

The following fees apply:

All Rewards credit card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	up to $25
Late Payment Fee	up to $41

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does ALL Rewards Mastercard® report your account activity to credit bureaus?

Yes, ALL Rewards Mastercard® reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for All Rewards credit card

• Visit the All Rewards credit card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.