Last Updated: 07/28/2025
SuperMoney User Recommendation Score -85
Strongly not recommended34 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
26.49%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
26.99%(Verified 06/21/2024)
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Credit Score Range
640 - 850
Annual Fee
$0
Number of Reviews
ALL Rewards Mastercard® Review
This is a store rewards card issued by Comenity Bank. If you're wondering whether ALL Rewards Mastercard® 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.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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.
- A 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 up to 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.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of All Rewards credit card
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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.
| Description |
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?
This card doesn't offer a cash loyalty bonus.What are the All Rewards credit card benefits?
ALL Rewards Mastercard® 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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% .
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 customer service number for All Rewards credit card is (185) 579-69632.
What is the login page for All Rewards credit card?
You can access the login page of All Rewards credit card here.
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 to the following credit bureaus:
- 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 build your credit.
Does Comenity Bank perform a hard credit pull?
Yes, All Rewards credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for All Rewards credit card
- Visit the website of All Rewards credit card.
- 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.
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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 credit card
Contact
Headquarters
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