| Category | Rate | Type | Cap |
|---|---|---|---|
|
Toyota Dealerships & Toyota.com
On eligible purchases at participating Toyota dealerships (parts, service, accessories, Toyota Financial Services lease/finance payments) and Toyota.com (parts, accessories, merchandise); excludes new/used vehicle purchases.
|
5x | Points | No cap |
|
Gas Stations, Dining & Entertainment
On purchases classified by merchant category code (MCC) as gas stations, restaurants/bars/fast food, or specific entertainment venues (amusement parks, aquariums, bowling alleys, dance halls, movie theaters, museums, tourist attractions, zoos, theatrical producers).
|
2x | Points | No cap |
| All Other Purchases | 1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Annual Fee
The Toyota Rewards Visa carries no annual fee for the life of the account.
|
Financial |
$0
Up to $0
|
|
Paperless Statement Fee Waiver
A $2.99/month paper billing statement fee can be waived entirely by enrolling in paperless (electronic) statements.
|
Financial |
Up to $35.88/year savings
Up to $36
|
|
Promotional Financing — 0% Deferred Interest (6 Months)
Purchases of $199 or more made at participating Toyota locations are automatically placed on a promotional 0% deferred-interest plan. No interest is charged if the balance is paid in full within 6 months; otherwise interest accrues from the original purchase date at the standard purchase APR.
|
Financial | 0% for 6 months on $199+ Toyota purchases |
|
Servicemembers Civil Relief Act (SCRA) Benefits
Eligible active-duty military members may receive an interest rate cap of no more than 6% on their Comenity Capital Bank credit card accounts while on active duty, as required under the Servicemembers Civil Relief Act.
|
Financial | 6% APR cap for eligible servicemembers |
|
Auto Rental Collision Damage Waiver
Provides coverage for physical damage, vandalism, or theft up to the cash value of most rental vehicles when the card is used to pay for the rental and the rental agency's collision damage waiver is declined. Certain vehicle types and situations are excluded.
|
Insurance | Up to cash value of vehicle |
|
Automatic Payments (AutoPay)
Cardholders can enroll in automatic monthly payments to avoid missed payments and late fees.
|
Other | Complimentary |
|
EasyPay — No-Login Bill Payment
Cardholders can pay their bill without logging into an online account using Comenity's EasyPay feature.
|
Other | Complimentary |
|
Online & Mobile Account Management
Cardholders can manage their account, make payments, review statements, and redeem rewards through the Comenity online account center at comenity.net/ToyotaRewardsVisa or via the mobile app.
|
Other | Complimentary |
|
Points Expiration Policy
Points earned after June 1, 2024 expire on a rolling five-year basis from the date of purchase. Points earned on or before June 1, 2024 expire in June 2029.
|
Other | 5-year rolling expiration |
|
Prescreen / Prescreened Offer Eligibility
Comenity Capital Bank may send prescreened offers of credit based on credit report criteria. Consumers may opt out of prescreened offers by calling 1-888-567-8688.
|
Other | Complimentary |
|
1x Points on All Other Purchases
Earn 1 point per $1 spent on all other purchases wherever Visa is accepted.
|
Rewards | 1x points |
|
2x Points on Gas, Dining & Entertainment
Earn 2 points per $1 spent at gas stations, restaurants (including eligible food delivery and takeout), and entertainment purchases such as streaming services, digital goods, music, gaming, internet and cable services, fitness clubs, movie theaters, event tickets, amusement parks, and golf courses.
|
Rewards | 2x points |
|
5x Points at Toyota & Lexus Dealerships
Earn 5 points per $1 spent at participating Toyota and Lexus Dealerships, including vehicles, parts, service, maintenance, and Toyota Protection Products. Bonus earnings only apply if the dealership participates in the Toyota Rewards Visa program; otherwise 1 point per $1 applies.
|
Rewards | 5x points |
|
No Maximum Points Cap
There is no maximum number of Reward Points that a cardmember can accumulate.
|
Rewards | Unlimited |
|
Points Redemption at Toyota/Lexus Dealerships
Redeem points toward Toyota and Lexus service, parts, accessories, Toyota Protection Products, and eligible vehicle purchases or leases at participating dealerships. Points are valued at 1 cent each with no minimum redemption amount at dealerships.
|
Rewards | 1 cent per point |
|
Points Redemption for Gift Cards, Merchandise & Travel
Points may be redeemed through the online Program catalog (administered by Bakkt) for gift cards, catalog merchandise, and travel. Redemption values for non-dealership options may vary.
|
Rewards | Variable value |
|
Points Redemption for Statement Credits
Cardholders may redeem accumulated points for statement credits applied to their account balance.
|
Rewards | 1 cent per point |
|
Points Redemption Toward Vehicle Purchase or Lease
Points can be redeemed toward the amount due at signing for an eligible new Toyota vehicle purchase or lease at a participating Toyota dealership.
|
Rewards | 1 cent per point |
|
Welcome Bonus — 5,000 Points
Earn 5,000 bonus points (valued at $50) when you spend $500 outside of Toyota Dealerships within the first 90 days of account opening. This offer is valid one time only.
|
Rewards |
5,000 points ($50 value)
Up to $50
|
|
Card Lock & Unlock Feature
Cardholders can lock or unlock their Toyota Rewards Visa card at any time through the account management portal, providing an additional layer of fraud control.
|
Security | Complimentary |
|
Cardholder Inquiry Service
Provides 24/7 assistance for questions related to Visa products and account management.
|
Security | Complimentary |
|
Emergency Card Replacement
24/7/365 worldwide service allows cardholders to request a replacement Visa card if their card is lost or stolen, with expedited delivery in 24–72 hours.
|
Security | Complimentary |
|
Emergency Cash Disbursement
If the card is lost or stolen, Visa can arrange emergency cash to be made available for pickup at a convenient location worldwide, available 24/7/365.
|
Security | Complimentary |
|
Visa Zero Liability Policy
Cardholders are protected against unauthorized transactions under Visa's Zero Liability policy. Covers U.S.-issued cards only; certain restrictions apply.
|
Security |
$0 liability
Up to $0
|
|
Authorized User Access
Primary cardholders may add authorized users to the account. Authorized users may make purchases on the account; the primary accountholder is responsible for all charges.
|
Shopping | Complimentary |
|
Roadside Dispatch (Pay-Per-Use)
Cardholders have access to Visa's pay-per-use roadside assistance program, available 24/7, for services including towing, jump starts, tire changes, and fuel delivery. The cardholder pays the service provider for each use.
|
Travel | Pay-per-use; dispatch is complimentary |
