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Total Rewards Visa Card
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| Purchase APR (Variable APR) |
16.24% - 25.24% (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) |
Starting at 28.24% (Verified 08/04/2023) |
| Credit Score Range | 720 - 850 |
| Annual Fee | $0 |
Total Rewards Visa Card Review
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Total Rewards Visa Card is no longer available to new customers on SuperMoney. Click here to compare Credit Cards and quickly find the best options for your needs. |
This is a rewards card issued by Comenity Bank. If you're wondering whether Total Rewards Visa Card is the right card for you, read on.
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 3% on balance transfers. For example, a balance of $1,000 could cost $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 Auto Rental Collision Damage Waiver, emergency support, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 720.
Pros & Cons of Total Rewards Visa Card
| The Good | The Bad |
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Total Rewards Visa Card FAQ
Does Total Rewards Visa Card have a cash back or rewards program?
Total Rewards Visa Card is a travel rewards card.
| 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?
This 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?
This card doesn't offer a cash loyalty bonus.What are the Total Rewards Visa Card benefits?
It 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 Card?
According to the Federal Reserve Board, the average regular APR 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 intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Total Rewards Visa Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Total Rewards Visa Card?
The following fees apply:
| Description | |
|---|---|
| Cash Advance Fee Minimum | $5 |
| Cash Advance Fee (%) | Starting at 3% |
| Minimum Cash Advance Fee ($) | Starting at $5 |
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee? | |
| Annual Fee | $0 |
| Minimum Interest Charge | $2 |
| No Interest Grace Period for Late Payment | 23 days |
| Returned Payment Fee | $27 - $38 |
| Late Fee Amount | $27 - $38 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
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 foreign transaction fees.What is the customer service phone number for Total Rewards Visa Card?
The Total Rewards Visa Card customer service number is (185) 579-69632.
What is the Total Rewards Visa Card login page?
You can access the Total Rewards Visa Card login page here.
How do people rate the customer service and user experience of Total Rewards Visa Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
12921 South Vista Station Boulevard
Salt Lake County
Draper, UT 84020 USA - (185) 579-69632
- Visit Site
Other Services by Comenity Bank
Other Credit Cards by Comenity Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $5 |
| Cash Advance Fee (%) | Starting at 3% |
| Minimum Cash Advance Fee ($) | Starting at $5 |
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $2 |
| No Interest Grace Period for Late Payment | 23 days |
| Returned Payment Fee | $27 - $38 |
| Late Fee Amount | $27 - $38 |
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