Total Rewards Visa Credit Card review | finder.com

Total Rewards® Visa® Card review

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Total Rewards® Visa® Card

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.
Product NameTotal Rewards® Visa® Card
Card TypeVisa
Annual Fee$0
Purchase APR15.99%,19.99% or 24.99% variable
Intro Purchase APR

N/A

Balance Transfer APR27.99% variable
Intro Balance Transfer APR

N/A

Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate27.99% variable
Foreign Transaction Fee3% of the transaction value
Cash Advance Fee$5 or 3% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 23 days
Late Payment FeeUp to $38
Returned Payment FeeUp to $38
Minimum Age18 years of age
Welcome OfferEarn 10,000 reward credits after spending $750 in the first 90 days
Rewards5x points at Total Rewards resorts and casinos, 2x points on airlines, gas, and groceries, 1x points on all other purchases
Base Rewards1x points

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.
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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 April 25th, 2019
Name Product Welcome Offer Rewards Annual Fee
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
3% cash back on all purchases in your first year up to $20,000 spent, then unlimited 1.5% cash back on all purchases
3% cash back on all purchases in your first year up to $20,000 spent, then unlimited 1.5% cash back on all purchases
$0
Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
$150 cash back after spending $500 in the first 3 months
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$150 statement credit after spending $1,000 in the first 3 months
3% at US supermarkets on up to $6,000 per year, then 1%. 2% at US gas stations and select US department stores and 1% on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees

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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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