17
Benefits2
Reward Categories5x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Toyota Dealership Purchases | 5x | Points | Eligible purchases made at participating Toyota dealerships | No Cap | |
| All Other Purchases | 1x | Points | All other eligible purchases where Visa is accepted | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 17 Total
PENDINGFinancial 1
No Annual Fee
$0The card does not charge an annual fee for card membership.
Lifestyle 1
Visa Signature Concierge
24/7 serviceA complimentary 24/7 personal assistant service that can help with travel arrangements, dinner reservations, event tickets, and more.
Purchase Protection 3
Purchase Security
Up to a specified amount per claim/yearProtects eligible new purchases made with your Visa Signature card against theft or damage for a specified period from the date of purchase.
Extended Warranty Protection
Up to 1 additional year on eligible warrantiesExtends the manufacturer's original warranty for eligible items purchased with your Visa Signature card.
Return Protection
Up to a specified amount per item/yearIf you are dissatisfied with an eligible item purchased with your Visa Signature card within 90 days of purchase and the store won't take it back, this benefit may reimburse you for the purchase price.
Rewards Program 3
Accelerated Rewards on Toyota Purchases
5 points per $1Earn 5 points for every $1 spent on eligible purchases at participating Toyota dealerships, including parts, service, accessories, Toyota Rent a Car, Toyota Financial Services payments, and new/used Toyota vehicle purchases or leases.
Standard Rewards on All Other Purchases
1 point per $1Earn 1 point for every $1 spent on all other purchases made with the card, outside of eligible Toyota purchases.
Flexible Rewards Redemption
1 point = $0.01Redeem earned points for Toyota service, parts, accessories, or toward the lease or purchase of a new Toyota vehicle at participating dealerships. Each point is worth $0.01 (100 points = $1). Minimum redemption is 500 points ($5).
Rewards Program Feature 1
Points Expiration
5 yearsPoints earned with the card expire 5 years from the date they are earned.
Security 1
Zero Liability Protection
Full protectionProtects cardholders from unauthorized purchases made with their card or account information. Cardholders are not held responsible for fraudulent charges.
Travel Assistance 2
Travel and Emergency Assistance Services
Referral and coordination servicesProvides a range of emergency services when you're traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of any services rendered by third-party providers.
Roadside Dispatch
Pay-per-use serviceA pay-per-use roadside assistance program. Cardholders can call a toll-free number to arrange for services like towing, tire changing, jump starting, lockout service, and fuel delivery. Fees apply for services.
Travel Benefits 1
Visa Signature Luxury Hotel Collection
Various hotel benefitsAccess to a curated collection of hotels worldwide with premium benefits like best available rate guarantee, automatic room upgrade upon arrival (when available), complimentary in-room Wi-Fi, complimentary continental breakfast, $25 food or beverage credit, and late checkout (when available).
Travel Insurance 4
Auto Rental Collision Damage Waiver
Varies by incidentProvides coverage for damage due to collision or theft to most rental vehicles when you pay for the entire rental transaction with your eligible Visa Signature card and decline the rental company's collision damage waiver (CDW) or similar option. Coverage is secondary to other applicable insurance.
Lost Luggage Reimbursement
Up to a specified amount per tripReimburses cardholders for the replacement of checked or carry-on luggage and its contents if lost or stolen when traveling on a common carrier and the ticket was purchased with the eligible Visa Signature card.
Trip Cancellation/Interruption Insurance
Up to a specified amount per tripReimburses non-refundable passenger fares if a trip is canceled or interrupted for covered reasons when the entire fare was purchased with the eligible Visa Signature card.
Travel Accident Insurance
Up to a specified amountProvides coverage for accidental death or dismemberment when traveling on a common carrier and the entire fare was purchased with the eligible Visa Signature card.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING$50
Cash BackRequirement: Spend $500 in 90 days
Timing: Bonus will be applied to your account within 1-2 billing cycles after meeting the spend requirement.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 31.24%
Balance Transfer APR: 31.24%
Cash Advance APR: 31.24%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility Requirements: Applicants must be at least 18 years of age, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess a good to excellent credit history (typically FICO score 670+). Applicants are generally ineligible for the sign-up bonus if they have received a bonus for the Toyota Credit Card within the past 24 months. Bonus Rule: Earn 25,000 Toyota Rewards Points (valued at $250 towards Toyota purchases, service, or parts) after spending $2,000 on eligible purchases within the first 3 months of account opening. Points are redeemable exclusively through authorized Toyota dealerships and service centers. Application Rules: Applications are accepted online via the BreadFinance or Toyota websites. All applications are subject to BreadFinance's standard credit approval process, which includes a hard inquiry on the applicant's credit report.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Applicants are generally ineligible for the sign-up bonus if they have received a bonus for the Toyota Credit Card within the past 24 months. BreadFinance reserves the right to limit the total number of credit products or the aggregate credit limit extended to any individual across all their offerings, potentially impacting eligibility for new cards or credit line increases.
Special Events: Exclusive bonus points or special financing offers during Toyota's annual 'Sales Event' (typically Q3), 'Service Savings Month' (May), and 'New Model Launch' periods. Cardholders may also receive early access or enhanced rewards for specific Toyota-related promotions.
Holiday Promos: Enhanced rewards or special financing on Toyota purchases during Black Friday/Cyber Monday week, and year-end holiday sales (December).
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Good rewards for Toyota loyalists, especially on dealership purchases. Easy to get approved with fair credit.
Top Negative:
High APR, poor customer service from Comenity, rewards can be difficult to redeem or have limited value outside of Toyota.
Approval Experience: 65.0 / 100
Recommended Alternatives
- Capital One SavorOne
- Chase Freedom Unlimited
- PenFed Platinum Rewards Visa Signature
Card Value Score: 70.0 / 100
Est. Annual Rewards: $270.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0
Last Updated: Oct 27, 2023 00:00