| Category | Rate | Type | Cap |
|---|---|---|---|
|
Eligible Vehicle Purchases (Visa Signature Only)
15 points per $1 on eligible vehicle purchase amounts at participating Toyota dealerships; exclusive to Toyota Rewards Visa Signature cardholders enrolled in the Toyota Rewards program.
|
15x | Points | No cap |
|
Toyota & Lexus Dealership Purchases
5 points per $1 at participating Toyota and Lexus dealerships; bonus earnings only awarded if the dealership participates in the Toyota Rewards Visa program — otherwise, transactions earn 1 point per $1. Purchases via PayPal or Venmo do not earn additional points.
|
5x | Points | No cap |
|
Gas Stations
2 points per $1 at gas stations as identified by merchant classification codes; earning depends on MCC assigned by the merchant's processor and will not apply if the merchant is not coded in an eligible category.
|
2x | Points | No cap |
|
Dining & Restaurants
2 points per $1 at restaurants including eligible food delivery and takeout services as identified by merchant classification codes; purchases via PayPal or Venmo do not earn additional points.
|
2x | Points | No cap |
|
Entertainment
2 points per $1 on entertainment purchases including streaming services, digital goods (television, radio), and other entertainment as identified by merchant classification codes; earning depends on MCC assignment.
|
2x | Points | No cap |
|
All Other Purchases
1 point per $1 on all other net eligible purchases everywhere Visa is accepted; not earned on returns, unauthorized charges, cash advances, balance transfers, interest, or fees.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
6-Month Deferred Interest on Dealership Purchases (Toyota Credit Card)
For the closed-loop Toyota Credit Card tier, purchases of $199 or more at participating Toyota locations are automatically placed on a 6-month deferred interest promotional plan. No interest is charged if the full balance is paid within 6 months; otherwise interest accrues from the purchase date at the standard APR of 35.99%.
|
Financial | No interest for 6 months on $199+ dealership purchases |
|
Credit Bureau Reporting
The Toyota Rewards Visa reports account activity to credit bureaus, enabling responsible cardholders to build or maintain their credit profile over time.
|
Financial | Reported to major credit bureaus |
|
No Annual Fee
Both the Toyota Rewards Visa (standard) and Toyota Rewards Visa Signature tiers carry no annual fee, making the card free to hold for Toyota and Lexus owners.
|
Financial |
$0 annual fee
Up to $0
|
|
Online Account Management
Cardholders can manage their account, make payments, view billing statements, check points balances, and redeem rewards 24/7 through the Comenity Capital Bank online account center at comenity.net/toyotarewardsvisa.
|
Financial | Complimentary 24/7 account access |
|
Paperless Statement Fee Waiver
Cardholders enrolled in paperless statements avoid the Paper Statement Fee of $2.99 per month (up to $35.88 per year), which applies to the Toyota Credit Card tier when a paper billing statement is mailed and the balance exceeds $3.50.
|
Financial |
Avoids up to $35.88/year in paper statement fees
Up to $36
|
|
Auto Rental Collision Damage Waiver
Cardholders are covered for damage due to collision or theft when renting a car and paying with the Toyota Rewards Visa. Coverage details and terms apply; see the Guide to Benefits for full specifics.
|
Insurance | Complimentary rental car collision/theft coverage |
|
Cardholder Inquiry Service
24/7 Visa Cardholder Inquiry Service providing fast assistance for questions related to Visa products and benefits.
|
Lifestyle | Complimentary 24/7 access |
|
1 Point Per $1 on All Other Purchases
Cardholders earn 1 point per $1 on all other net eligible purchases everywhere Visa is accepted. Points are not earned on returns, unauthorized charges, cash advances, balance transfers, interest, or fees.
|
Rewards | 1x points on all other purchases |
|
15x Points on Eligible Vehicle Purchases (Visa Signature)
Toyota Rewards Visa Signature cardholders earn 15 points per $1 on eligible vehicle purchase amounts as an exclusive bonus. This elevated earn rate applies to qualifying amounts at participating Toyota dealerships enrolled in the program.
|
Rewards | 15x points on eligible vehicle purchases |
|
2 Points Per $1 on Gas, Dining & Entertainment
Cardholders earn 2 points per $1 spent at gas stations, restaurants (including eligible food delivery and takeout), and on entertainment purchases such as streaming services and digital goods. Earning depends on merchant classification codes assigned by the merchant's processor.
|
Rewards | 2x points on gas, dining & entertainment |
|
5 Points Per $1 at Toyota & Lexus Dealerships
Cardholders enrolled in the Toyota Rewards program earn 5 points per $1 spent on net eligible purchases at participating Toyota and Lexus dealerships. Bonus earnings only apply if the dealership participates in the Toyota Rewards Visa program; otherwise, the base 1 point per $1 applies.
|
Rewards | 5x points at participating Toyota & Lexus dealerships |
|
Points Redeemable at Toyota Dealerships
Cardholders may redeem points at participating Toyota and Lexus dealerships for service, parts, accessories, Toyota Protection Products, and amounts due at signing for eligible vehicle purchases or leases. Points are valued at 1 cent each with no minimum redemption amount at dealerships.
|
Rewards | 1 cent per point at participating dealerships |
|
Points Redeemable for Gift Cards
Cardholders may redeem points for gift cards through the Toyota Rewards program catalog.
|
Rewards | Redeemable for gift cards |
|
Points Redeemable for Statement Credit
Cardholders may redeem points as a statement credit applied to their account at a rate of 1 cent per point. Statement credits can be used to offset any purchase on the account.
|
Rewards | 1 cent per point as statement credit |
|
Points Redeemable for Travel Experiences
Cardholders may redeem points for travel experiences through the Toyota Rewards program catalog; however, travel redemptions carry restrictions and typically offer less value than dealership redemptions.
|
Rewards | Redeemable for travel experiences |
|
Card Lock & Unlock Feature
Cardholders can instantly lock or unlock their Toyota Rewards Visa card through the Comenity Capital Bank online account center or mobile app to prevent unauthorized use if the card is misplaced.
|
Security | Complimentary |
|
Visa Zero Liability Protection
Cardholders are protected from unauthorized charges under Visa's Zero Liability policy, provided they notify Comenity Capital Bank promptly and have not acted negligently or fraudulently. Covers U.S.-issued cards only; certain restrictions apply.
|
Security | Zero liability on unauthorized charges |
|
Emergency Card Replacement
24/7/365 worldwide service that allows cardholders to quickly receive a replacement Toyota Rewards Visa card sent to their location in the event the card is lost or stolen.
|
Travel | Complimentary worldwide |
|
Emergency Cash Disbursement
24/7/365 worldwide service that allows cardholders to receive emergency cash at a convenient location when their card is lost or stolen while traveling.
|
Travel | Complimentary worldwide |
|
Pay-As-You-Go Roadside Assistance
As a Visa cardholder, Toyota Rewards Visa holders have access to a pay-as-you-go roadside assistance program for services such as towing and emergency roadside help. Fees apply per use.
|
Travel | Pay-as-you-go access |
