Total Rewards Visa Card
in Personal Credit Cards from Comenity
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| 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 Card Review
Total Rewards Visa Card is a rewards credit card issued by Comenity. If you're wondering whether Total Rewards Visa Card 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 Card 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 Card 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.
- 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 Card Pros & Cons
| The Good | The Bad |
|---|---|
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Total Rewards Visa Card FAQ
Is there a Total Rewards Visa Card cash back or rewards program?
Total Rewards Visa Card 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 (Points/Miles) | 10000 |
| Signup Bonus Spend Requirement | $750 |
Does Total Rewards Visa Card have a signup bonus?
Total Rewards Visa Card 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 Card offer an annual loyalty bonus?
Total Rewards Visa Card doesn't offer a cash loyalty bonus.What are the Total Rewards Visa Card benefits?
Total Rewards Visa Card provides the following benefits:
- Reports to major credit bureaus
What are the relevant APRs for Total Rewards Visa Card?
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 Card 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 Card have an introductory APR offer on balance transfers?
No, Total Rewards Visa Card does not come with an introductory APR offer for balance transfers.Does Total Rewards Visa Card have an introductory APR offer on new purchases?
Total Rewards Visa Card 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 Card?
The following fees apply to Total Rewards Visa Card:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | $27 - $38 |
| Late Payment Fee | $27 - $38 |
Does Total Rewards Visa Card have a foreign transaction fee?
Total Rewards Visa Card 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 Card report your account activity to credit bureaus?
Yes, Total Rewards Visa Card 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 may help improve your credit.
How to apply for Total Rewards Visa Card
- Visit the Total Rewards Visa Card 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 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.
Contact
- Headquarters
-
12921 South Vista Station Boulevard
Salt Lake County
Draper, UT 84020 - Visit Site
Other Services by Comenity
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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