Total Rewards Visa
in Personal Credit Cards from Comenity
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Cast your vote
Would you recommend Total Rewards Visa to your friends?
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 16.24% - 25.24% |
| Balance Transfer APR (Variable APR) | Starting at 28.24% |
| Credit Score Range | 720 - 850 |
Total Rewards Visa Review
Total Rewards Visa is a rewards credit card issued by Comenity.
This card is designed for people with good credit. The minimum credit score to apply is 720. If you're wondering whether Total Rewards Visa is the right card for you, read on. This is everything you need to know to make a good choice.
| Pros | Cons |
|---|---|
|
|
|
Is there a Total Rewards Visa cash back or rewards program?
Total Rewards Visa offers a rewards program to its customers.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus (Points/Miles) | 10000 |
| Signup Bonus Spend Requirement | $750 |
Does Total Rewards Visa have a signup bonus?
Total Rewards Visa doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus after spending $750 that can be redeemed for travel, gifts, or other perks.Does Total Rewards Visa offer an annual loyalty bonus?
Total Rewards Visa doesn't offer a cash loyalty bonus.What are the Total Rewards Visa benefits?
Total Rewards Visa provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Fraud Liability
- Reports to major credit bureaus
What are the relevant APRs for Total Rewards Visa?
Total Rewards Visa has a variable purchase APR that ranges from 16.24% up to 25.24%. The card has a variable balance transfer APR starting at 28.24% .
It also has a variable cash advance APR starting at 27.24% .
Does Total Rewards Visa have an introductory APR offer?
No, Total Rewards Visa does not come with an introductory APR offer for balance transfers. Total Rewards Visa does not offer an introductory rate on new purchases.| Purchase APR | 16.24% - 25.24% |
| Balance Transfer APR | Starting at 28.24% |
| Cash Advance APR | Starting at 27.24% |
What are the Total Rewards Visa fees?
The following fees apply to Total Rewards Visa:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | $27 - 38% |
| Late Payment Fee | $27 - $38 |
Does Total Rewards Visa have a foreign transaction fee?
Total Rewards Visa 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 a foreign transaction fee.Does Total Rewards Visa report your account activity to credit bureaus?
Total Rewards Visa 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 can help improve your credit score.
How to apply for Total Rewards Visa
- Visit the Comenity website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
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...
Contact
- Headquarters
-
PO Box 182273
Columbus, OH 43218 - (800) 303-1368
- Visit Site
About Total Rewards Visa
View all personal credit cards offered by Comenity
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| No Interest Grace Period for Late Payment | 23 |
| Annual Fee | $0 |
| No Annual Fee | |
| Returned Payment Fee | $27 - $38 |
| Minimum Interest Charge | $2 |
| Late Fee Amount | $27 - $38 |
| Balance Transfer Fee % | 3% |
| Balance Transfer Fee Minimum | $5 |
| Minimum Cash Advance Fee ($) | Starting at $5 |
| Cash Advance Fee (%) | Starting at 3% |
| Cash Advance Fee Minimum | $5 |
| Foreign Currency Transaction Fee | 3% |
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Would you recommend Total Rewards Visa to your friends?
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Starting
Purchase APR
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Balance Transfer APR
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Credit Score Range
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Purchase APR
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Purchase APR
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29.24%
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27.24%
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26.74%
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Balance Transfer APR
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18.24% - 27.24%
(Variable APR)
Maximum
Balance Transfer APR
29.24%
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$0
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