SuperMoney
This product is no longer available to new customers.
  Total Rewards Visa Card

Not Currently Available

Total Rewards Visa Card

Not Currently Available

Total Rewards Visa Card

Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Credit Cards.
Chime secured Credit Builder Visa® Credit Card
Chime secured Credit Builder Visa® Credit Card 14 reviews
Highlights
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 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 credit 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 rental insurance, 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
  • 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.
  • Offers auto rental collision damage waiver.
  • Free access to your credit score.
  • Cardholders can earn rewards on purchases everywhere Total Rewards Visa Card is accepted.
  • Total Rewards Visa Card reports to multiple credit bureaus.
  • Participating casinos for highest rewards points are currently only located in 13 U.S. states
  • High interest rate
  • You need good credit to qualify.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.

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.

Total Rewards Visa Card 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 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:

Total Rewards Visa Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee $27 - $38
Late Payment Fee $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 support contact email for Total Rewards Visa Card?

The support contact email for Total Rewards Visa Card is webmaster@comenity.net.

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.

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

Hours of Operation

  • Sunday 9:00am - 5:00pm
  • Monday 7:00am - 11:00pm
  • Tuesday 7:00am - 11:00pm
  • Wednesday 7:00am - 11:00pm
  • Thursday 7:00am - 11:00pm
  • Friday 7:00am - 11:00pm
  • Saturday 9:00am - 5:00pm

Other Services by Comenity Bank

Icon for Credit Cards
View all credit cards offered by Comenity Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • 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
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 720 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
Rewards Categories
  • Airfare
  • Gas
  • Groceries
  • Hotels
  • Every Purchase
  • Entertainment
Signup Bonus (points) 10,000
Cash Advance APR (Variable APR) Starting at 27.24%
APR Type Variable APR
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%
Card Type
  • Rewards
  • Balance Transfer
  • Travel
  • Gas
  • Airline
  • Bonus Offers
Card Network Visa

Be the first to rate

 

Would you recommend Total Rewards Visa Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Credit Cards

Check out this Credit Cards option instead:

Comenity Bank Credit Cards

Loading...