Add cards to start comparing.

Compare Cards
Trust & Security
  • Norton Secured
  • BBB logo
  • DigiCert
Featured On
  • CNN Money logo
  • Forbes logo
  • The Wall Street Journal logo
  • USA Today logo
  • The New York Times logo
  • PBS logo

Total Rewards Visa Credit Card

Total Rewards Visa Credit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.0/5.0 from 2 Offer Ratings
Over the Past 60 Days!

(2) Over the Past 60 Days!

  • APR 14.24% - 23.24%
  • Balance Transfer APR 26.24%
  • Cash Advance APR 26.24%
  • Annual Fee $0
  • Late Payment Fee $37
  • Cash Advance Fee $5 or 3% of value, whichever is greater
  • Returned Payment Fee $37
  • Balance Transfer Fee $5 or 3% of value, whichever is greater
  • Foreign Exchange Fee 3% of each transaction in USD
  • Minimum Interest Charge $2.00

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 5 Reward Credits for every $1 spent at Total Rewards resorts and casinos, and on sport, concert and show tickets through TR Live Events
  • Earn 2 Reward Credits for every $1 spent on airlines, gas and groceries
  • Earn 1 Reward Credit for every $1 spent elsewhere
  • Receive up to 10,000 Reward Credits after spending $750 within the first 90 days of being approved

Expert Reviews

From the CompareCards.com Editorial Team

You may want to take a gamble on the Total Rewards Visa if you are a fan of Total Rewards resorts and casinos. The card offers ways to earn rewards and perks, just by using your plastic wherever you like to shop.

Expert Reviews of the Total Rewards Visa Credit Card

  • 3.0

    Regular APR

  • 0.0

    Intro APR

  • 0.0

    Fees

  • 3.0

    Benefits

  • star rating 3.0/5

    Overall Rating

The Bottom Line

The APR may be quite high, so avoiding transactions that charge interest or carrying a balance is wise. Otherwise the rewards will be advantageous to customers of Total Rewards casinos and resorts.

The Good

There is no annual fee.
You earn 5 Reward Credits for every $1 spent at Total Rewards resorts and casinos,  2 Reward Credits for every $1 spent on airlines, gas, and groceries, and 1 Reward Credit for every $1 spent everywhere else. There is no cap on how much you can earn, and as long as you earn one Reward Credit every six months, your Reward Credits will never expire.
Spend at least $750 with the Total Rewards Visa card outside of a Total Rewards destination within the first 90 days of being approved and receive 10,000 Reward Credits as a bonus. If you spend considerable amounts each year you can also qualify for additional rewards and bonuses, by qualifying for higher-tier status. Cardholders also receive Visa Signature perks, which include such things as travel assistance and concierge services.

The Not So Good

You must be a member of the Total Rewards  Program to apply for a Total Rewards Visa credit card.
The purchase APR is either 23.24%, 18.24%, or 14.24% , based on your creditworthiness.
The APR for balance transfers and cash advances is 26.24%.There is a 3% foreign transaction fee and a surcharge on balance transfers and cash advances of $5 or 3% of the transaction, whichever is greater.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

  • star rating mask

Overall Rating

3.0/5.0

2 Total Ratings

5 Star
 
 
(0)
4 Star
 
 
(0)
3 Star
 
 
(2)
2 Star
 
 
(0)
1 Star
 
 
(0)

Your Rating

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+2 users submitted a rating without a full review

Be the first one to write an in-depth review!

Back to top ↑