SuperMoney
  All Rewards Mastercard

All Rewards Mastercard

in Personal Credit Cards from Comenity

Unaffiliated

All Rewards Mastercard

Unaffiliated

in Personal Credit Cards from Comenity

SuperMoney Net Recommendation Score -90

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -90, equating to 1.2 on a 5 point rating scale.

-90

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

1 user recommends
1 user is unsure
29 users don't recommend
Cast your vote

Would you recommend All Rewards Mastercard to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Community Rating Strongly not recommended
Purchase APR  (Variable APR) 24.99%
Balance Transfer APR  (Variable APR) 26.99%
Credit Score Range 640 - 850
Annual Fee $0
Number of Reviews 31

All Rewards Mastercard Review

This is a store rewards credit card issued by Comenity. If you're wondering whether All Rewards credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 5 reward points per dollar spent.
  • Signup bonus. Offers a signup bonus of $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 24.99%
  • 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 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 gas 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 ($) Up to $20
Signup Bonus Spend Period (months) 2 months
Annual Loyalty Bonus $15

Does All Rewards credit card have a signup bonus?

Yes, it offers card users a signup bonus worth up to $20.

Does All Rewards credit card offer an annual loyalty bonus?

Yes, it offers cardholders an annual bonus worth up to $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. It has higher than average regular APRs.

It has a variable purchase APR of 24.99%. The card has a variable balance transfer APR of 26.99% . It also has a variable cash advance APR of 24.99% .

Does All Rewards credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does All Rewards credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

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 $40

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 credit card have a foreign transaction fee?

All Rewards credit card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for All Rewards credit card?

The All Rewards credit card customer service number is (855) 796-9632.

What is the support contact email for All Rewards credit card?

The support contact email for All Rewards credit card is webmaster@comenity.net.

How do people rate the customer service and user experience of All Rewards credit card?

Overall, All Rewards credit card is strongly not recommended based on community reviews that rate customer service and user experience.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From All Rewards Mastercard

Comenity has been helping people get more for their money since we introduced our first credit card in 1986. Today, Comenity Bank and Comenity Capital Bank partner with many of the most recognized and respected retailers in the world, and more than 50 million people carry our private label, co-brand and business credit cards in their wallets. From the start, the Comenity mission has been to understand what’s most important to customers and develop innovative solutions that meet their needs. It’s why our cardmembers are supported by care centers that have been recognized for excellence 15 consecutive times—a record for the financial services industry. It’s also why Comenity Direct was created. Our high-yield savings products and CDs deliver highly competitive rates,† a simplified banking experience and elevated customer care to give customers what they want and what they deserve.

Go all in. Cardmembers get major perks like free standard shipping, Bonus double points days and a birthday gift.

Contact

Hours of Operation

  • Sunday 9:00am - 5:00pm
  • Monday 7:00am - 11:00pm
  • Tuesday 7:00am - 11:00pm
  • Wednesday 7:00am - 11:00pm
  • Thursday 7:00am - 11:00pm
  • Friday 7:00am - 11:00pm
  • Saturday 9:00am - 5:00pm

Other Services by Comenity

Icon for Personal Credit Cards
View all personal credit cards offered by Comenity

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Paper Statement Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1
Returned Payment Fee Up to $25
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Co-signing Allowed
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Emergency Support
  • Fraud Liability
Annual Loyalty Bonus $15
Rewards Categories
  • 2x Points on Gas
  • 2x Points on Groceries
  • 1x Point on Every Purchase
  • 5x Points on In-Store Eligible Purchases
Signup Bonus $20
Cash Advance APR (Variable APR) 24.99%
Balance Computation daily balance (including current transactions).
Purchase APR (Variable APR) 24.99%
Balance Transfer APR (Variable APR) 26.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Rewards
  • Store Card
  • Gas
  • Bonus Offers
Card Network Mastercard

All Rewards Mastercard Community Reviews

 

Would you recommend All Rewards Mastercard to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -90, equating to 1.2 on a 5 point rating scale.

-90

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

Other Personal Credit Cards

Comenity Personal Credit Cards

Loading...