| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
Earn 5 points for each $1.00 of net eligible purchases made at participating Toyota dealerships.
|
5x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Military Lending Act (MLA) Protections
Eligible active duty servicemembers and their dependents are subject to a 36% MAPR cap and the arbitration clause does not apply, per federal Military Lending Act requirements.
|
Financial | 36% MAPR cap |
|
No Annual Fee
The MyToyota Credit Card carries no annual fee for cardholders.
|
Financial |
$0 Annual Fee
Up to $0
|
|
No Interest Promotional Financing (6 Months)
Cardholders enjoy no interest if paid in full within 6 months on purchases of $199 or more made at the MyToyota Store online or at participating Toyota Material Handling Authorized Dealerships; interest will be charged from the purchase date if the balance is not paid in full within the promotional period.
|
Financial | 0% interest for 6 months on purchases of $199+ |
|
Online Account Management & EasyPay
Cardholders can manage their account and make payments online via the Comenity account portal; EasyPay is available for faster payment without signing in.
|
Financial | Complimentary |
|
Paperless Statements
Cardholders can enroll in paperless statements to avoid the $2.99 monthly paper statement fee that applies when the balance exceeds $3.50.
|
Financial | Fee waiver via enrollment |
|
Servicemembers Civil Relief Act (SCRA) Benefits
Eligible active duty servicemembers may receive a reduced interest rate not to exceed 6% on balances incurred prior to active duty service.
|
Financial | Up to 6% APR cap on pre-service balances |
|
Zero Fraud Liability
Cardholders are not held responsible for unauthorized charges made on their account, provided they report the fraud promptly to Comenity Capital Bank.
|
Security | Complimentary |
|
Online Purchasing at MyToyota Store
Cardholders can use the MyToyota Credit Card exclusively online at the MyToyota Store (mytoyota.com) for equipment purchases, rental equipment, parts and accessories, and equipment services.
|
Shopping | Complimentary |
