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  Total Rewards Visa

Total Rewards Visa

in Personal Credit Cards from Comenity

Unaffiliated

Total Rewards Visa

Unaffiliated

in Personal Credit Cards from Comenity

Net Recommendation Score -100%

SUPERMONEY NET RECOMMENDATION SCORE

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Highlights
Highlights
Community Rating

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
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 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 & Cons
The Good The Bad
  • Reward credits can be transferred to Wyndham Rewards points
  • For frequent visitors to Caesar's casinos, there are high credit rewards
  • Extra reward credits for gas, groceries and flights.
  • Reward credits for every
  • No annual fee.
  • Multiple credit card perks.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Total Rewards Visa reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Participating casinos for highest rewards points are currently only located in 13 U.S. states
  • High interest rate
  • Requires good to excellent credit.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
Total Rewards Visa FAQ

Is there a Total Rewards Visa cash back or rewards program?

Total Rewards Visa offers a rewards program to its customers.

Total Rewards Visa Rewards
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:

  • 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.
Total Rewards Visa Purchase Intro Offer
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:

Total Rewards Visa Fees
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.

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...
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.

Contact

  • Headquarters
  •   12921 South Vista Station Boulevard
    Salt Lake County
    Draper, UT 84020
  •   Visit Site

About Total Rewards Visa

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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
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 720 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
Bonus Rewards 10,000 Reward Credit bonus after you spend $750 in the first 90 days.
Rewards Categories
  • Airfare
  • Entertainment
  • Every Purchase
  • Gas
  • Groceries
  • Hotels
Signup Bonus (points) 10,000
Cash Advance APR (Variable APR) Starting at 27.24%
Balance Computation daily balance
Purchase APR (Variable APR) 16.24% - 25.24%
Balance Transfer APR (Variable APR) Starting at 28.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Total Rewards Visa Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-100%

-100% 0% +100%
No one recommends Everyone recommends

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.

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