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Total Rewards® Visa® Card review

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For Caesars Entertainment Total Rewards members, this card can boost your reward credit gains.

  • Get this card if you’re looking for bonuses on your Caesars rewards.
  • Pick something else if you don’t frequently visit participating casinos or resorts.
  • Apply with a good to excellent credit score of 670 or higher.


Points as welcome offer

Up to 5x



Annual fee

15.99%,19.99% or 24.99%

Purchase APR (variable)


Product NameTotal Rewards® Visa® Card
Card typeVisa
Annual fee$0
Purchase APR15.99%,19.99% or 24.99% variable
Balance transfer APR27.99% variable
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate27.99% variable
Cash advance fee$5 or 3% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 23 days
Late payment feeUp to $38
Returned payment feeUp to $38

The basics

Frequent casino- and resort-goers might find an interesting opportunity in the Total Rewards® Visa® Card. This card’s main draw is a healthy rewards boost centered on the Caesars Total Rewards program, which you can redeem on food, entertainment and hotels at participating resorts and casinos.

Reward rates are straightforward. You’ll earn 5x reward credits at participating resorts and casinos and 2x credits on airlines, gas and groceries. Earn 1x credits on all other spending.

The card’s signup bonus offers a whopping 10,000 credits after you spend $750 in the first 90 days your account is open.

Still, if you’re not a regular at Caesars resorts and casinos, you might earn stronger results with another card.

A card with similar rewards

Hilton Honors American Express Card

  • Earn 75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
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See Rates & Fees

The perks

  • Annual fee: $0.
    With no annual fee to worry about, you can use this card as you please.
  • Rewards: Up to 5x points on purchases.
    Earn anywhere from 1x reward credits on everyday purchases to 2x points on airlines, gas and groceries all the way up to 5x rewards at participating resorts and casinos.
  • Platinum status.
    Use your card for any purchase within the first 90 days your account is open to earn platinum status in Total Rewards. To maintain your status, you’ll need to spend $5,000 on purchases each year after.

You’ll also like …

  • Signup bonus.
    Spend $750 in the first 90 days your account is open to earn 10,000 bonus reward credits on your Total Rewards account. Note that purchases at Total Rewards casino locations are excluded.
  • The chance to become a Vegas VIP.
    Spend $10,000 on purchases in a calendar year to earn VIP access in Las Vegas for the following year. Among the perks are VIP line access at select restaurants, preferred entry at select nightclubs and pool access at Las Vegas Total Rewards properties.
  • Complimentary buffet pass.
    Earn one buffet pass after your first purchase with the card within the first 90 days your account is open. Your pass is valid for six months.

What to watch out for

  • Limited locations.
    If you don’t live near a participating casino or resort across 13 states, you might not be able to make the most of the card.
  • Potentially high APR.
    Starting APRs are 15.99%,19.99% or 24.99% variable, depending on your creditworthiness. Balance transfers and cash advances are subject to a high 27.99% variable APR.
  • Late fees.
    Expect to pay up to $38 for late or returned payments.
  • Expiring points.
    If you don’t use your card at least every six months, your reward credits expire.

Compare rewards credit cards

Updated October 18th, 2019
Name Product Welcome offer Rewards Annual fee Filter values
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
$150 cash back after spending $500 in the first 3 months
1.5% cash back on all purchases
Earn unlimited 1.5% cash back on every purchase, every day.
$150 after spending $500 in the first 90 days
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees

Compare up to 4 providers

Bottom line

If you like the rush of gambling at casinos and resorts, the Total Rewards® Visa® Card can earn you respectable rewards for redemption toward comps, travel and dining. But many of the card’s bonuses and perks take a lot of spending to earn.

If you’re looking for cards that offer more flexible rewards, compare your options in our comprehensive guide to rewards cards.

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