Total Rewards Visa Review

Total Rewards Visa is a rewards credit card issued by Comenity. 

Good credit. 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 of Total Rewards Visa

Pros	Cons
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	Participating casinos for highest rewards points are currently only located in 13 U.S. states High interest rate

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

Total Rewards Visa offers a rewards program to its customers.

This card features rewards for purchases in the following categories:

• Airfare
• Every Purchase
• Gas
• Groceries
• Hotels

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

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% .

What are the Total Rewards Visa fees?

No Annual Fee. Total Rewards Visa does not charge an annual fee.

3% Foreign transaction fees. 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.

The following fees apply to Total Rewards Visa:

Total Rewards Visa Fees

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 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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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.