Total Rewards Visa
in Personal Credit Cards from Comenity
Cast your vote
Would you recommend Total Rewards Visa to your friends?
| Community Rating |
Rating not yet determined |
| Purchase APR (Variable APR) | 16.24% - 25.24% |
| Balance Transfer APR (Variable APR) | Starting at 28.24% |
| Credit Score Range | 720 - 850 |
| Annual Fee | $0 |
Total Rewards Visa Review
Total Rewards Visa is a rewards credit card issued by Comenity. 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.
Key takeaways:
- Signup bonus. Offers a signup bonus of 10000 points after spending $750 that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. Total Rewards Visa has a variable purchase APR that ranges from 16.24% up to 25.24%.
- 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.
- 3% Balance transfer fee. Total Rewards Visa charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Gas rewards.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, and fraud protection.
- Good or better credit required. You should probably try with another card if your credit score is below 720.
Total Rewards Visa Pros and Cons:
| The Good | The Bad |
|---|---|
|
|
Is there a Total Rewards Visa cash back or rewards program?
Total Rewards Visa offers a rewards program to its customers.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Total Rewards Visa?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance.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 on balance transfers?
No, Total Rewards Visa does not come with an introductory APR offer for balance transfers.Does Total Rewards Visa have an introductory APR offer on new purchases?
Total Rewards Visa does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for Total Rewards Visa?
The following fees apply to Total Rewards Visa:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| 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 Total Rewards Visa 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 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
-
12921 South Vista Station Boulevard
Salt Lake County
Draper, UT 84020 - 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 Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 23 days |
| Cash Advance Fee Minimum | $5 |
| Cash Advance Fee (%) | Starting at 3% |
| Minimum Cash Advance Fee ($) | Starting at $5 |
| Foreign Currency Transaction Fee | 3% |
| Minimum Interest Charge | $2 |
| Returned Payment Fee | $27 - $38 |
| Late Fee Amount | $27 - $38 |
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Purchase APR
29.24%
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29.24%
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N/A
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29.24%
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N/A
Credit Score Range
650 - 850
Annual Fee
$0
Maximum
Purchase APR
27.24%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
$0
Purchase APR
18.24% - 27.24%
(Variable APR)
Maximum
Balance Transfer APR
29.24%
Credit Score Range
N/A
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N/A
Purchase APR
29.24%
Balance Transfer APR
N/A
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
16.24% - 25.24%
(Variable APR)
Balance Transfer APR
27.24%
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
29.24%
Balance Transfer APR
N/A
Credit Score Range
700 - 850
Annual Fee
N/A
Purchase APR
16.24% - 25.24%
(Variable APR)
Balance Transfer APR
26.99%
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
29.24%
Balance Transfer APR
N/A
Credit Score Range
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