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  Toyota Rewards Visa Signature

Toyota Rewards Visa Signature

in Personal Credit Cards from Comenity

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Toyota Rewards Visa Signature

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in Personal Credit Cards from Comenity

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Highlights
Purchase APR  (Variable APR) 13.99% - 22.99%
Balance Transfer APR  (Variable APR) 26.99%
Credit Score Range 500 - 850
Annual Fee $0

Toyota Rewards Visa Signature Review

This is a store credit card issued by Comenity. If you're wondering whether Toyota Rewards Visa Signature is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 5x.
  • Signup bonus. Offers a signup bonus of 5000 points after spending $500 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Toyota Rewards Visa Signature has a variable purchase APR that ranges from 13.99% up to 22.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. Toyota Rewards Visa Signature charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
  • 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. on eligible gas purchases.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of Toyota Rewards Visa Signature
The Good The Bad
  • Earn points at Toyota dealerships, gas, dining/entertainment, and everywhere else Visa is accepted.
  • Redeem points your way---service, parts, gift cards, travel experiences and more
  • Earn 5,000 bonus points for spending $500 outside Toyota dealerships within first 90 days.
  • No annual fee.
  • Lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Toyota Rewards Visa Signature reports to multiple credit bureaus.
  • Has foreign transaction fees.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • Charges a 5% balance transfer fee.
  • Does not include many credit card benefits.
Toyota Rewards Visa Signature FAQ

Does Toyota Rewards Visa Signature have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Toyota Rewards Visa Signature?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 13.99% up to 22.99%. The card has a variable balance transfer APR of 26.99% . The card has a variable cash advance APR of up to 24.99%.

Does Toyota Rewards Visa Signature have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Toyota Rewards Visa Signature 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 Toyota Rewards Visa Signature?

The following fees apply:

Toyota Rewards Visa Signature Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $39
Late Payment Fee up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Toyota Rewards Visa Signature have a foreign transaction fee?

Toyota Rewards Visa Signature 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 Toyota Rewards Visa Signature?

The Toyota Rewards Visa Signature customer service number is (855) 796-9632.

What is the support contact email for Toyota Rewards Visa Signature?

The support contact email for Toyota Rewards Visa Signature is webmaster@comenity.net.

Does Toyota Rewards Visa Signature report your account activity to credit bureaus?

Yes, Toyota Rewards Visa Signature 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 Toyota Rewards Visa Signature

  • Visit the Toyota Rewards Visa Signature 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

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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 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) Up to $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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 500 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Rewards Categories
  • Points on Gas
  • Points on Every Purchase
Signup Bonus (points) 5,000
Cash Advance APR (Variable APR) Up to 24.99%
Purchase APR (Variable APR) 13.99% - 22.99%
Balance Transfer APR (Variable APR) 26.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Gas
  • Store Card
Card Network Visa

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