9
Benefits2
Reward Categories5x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: toyota-rewards-visa
Issuer: BreadFinance
Card Name: Toyota Rewards Visa® Credit Card
Card Type: Credit
Network: Visa
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
The Servicemembers Civil Relief Act (SCRA) provides an interest rate cap of 6% per year on certain debts incurred before active duty for eligible servicemembers.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Toyota Purchases | 5x | Points | Eligible purchases made at participating Toyota dealerships in the U.S., including new or used vehicle purchases, service, parts, accessories, and extended warranties. | No Cap | |
| All Other Purchases | 1x | Points | All purchases made everywhere Visa credit cards are accepted, excluding eligible Toyota purchases. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x at participating Toyota dealerships (parts, service, accessories); 2x on gas, dining, and entertainment
Quarterly Rotating: No
Expiration Policy: Points expire 5 years from the end of the calendar quarter in which they were earned. Account must be open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Minimum redemption thresholds may apply.
Benefits & Protections (Detailed) 9 Total
PENDINGDining 1
Earn 2x Points on Dining Purchases
2 points per $1Earn 2 points for every $1 spent on eligible dining purchases.
Lifestyle 1
Earn 2x Points on Entertainment Purchases
2 points per $1Earn 2 points for every $1 spent on eligible entertainment purchases.
Redemption 4
Redeem Points for Toyota Dealership Purchases
1 point = $0.01Redeem accumulated points for parts, service, accessories, or as a down payment or lease payment on a new or used vehicle at participating Toyota dealerships. Each point is worth $0.01.
Redeem Points for Cash Back
1 point = $0.01Redeem accumulated points for cash back in the form of a statement credit to your Toyota Rewards Visa account. Each point is worth $0.01.
Redeem Points for Travel
1 point = $0.01Redeem accumulated points for travel rewards. Each point is worth $0.01.
Redeem Points for Gift Cards
1 point = $0.01Redeem accumulated points for gift cards from various merchants. Each point is worth $0.01.
Shopping 3
Earn 5x Points on Toyota Dealership Purchases
5 points per $1Earn 5 points for every $1 spent on eligible purchases at participating Toyota dealerships, including parts, service, accessories, and new/used vehicle down payments or lease payments.
Earn 2x Points on Gas Purchases
2 points per $1Earn 2 points for every $1 spent on eligible gas purchases.
Earn 1x Point on All Other Purchases
1 point per $1Earn 1 point for every $1 spent on all other eligible purchases where Visa is accepted.
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
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Penalty APR: | 29.99% |
| 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% - 30.24%
Balance Transfer APR: 21.24%
Cash Advance APR: 30.49%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Toyota Rewards Visa requires applicants to be at least 18 years of age (19 in AL/NE), a U.S. resident, and possess a valid Social Security Number or ITIN. Approval is subject to BreadFinance's creditworthiness criteria. Sign-up bonuses are promotional and subject to specific offers at the time of application. Rewards earning and redemption may be subject to store-specific restrictions, primarily at participating Toyota dealerships and service centers.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: While there are no explicit 'card family' rules akin to major bank ecosystems, BreadFinance maintains internal limits on total credit exposure per customer. Re-applying for the same card after closing may be subject to bonus eligibility restrictions, typically requiring a waiting period (e.g., 24 months) since the last bonus was received.
Special Events: Exclusive offers and enhanced reward opportunities are periodically available for purchases made at participating Toyota dealerships, service centers, or official Toyota parts and accessories stores. These events are typically communicated directly to cardholders.
Holiday Promos: Potential for enhanced reward rates or special financing offers during major retail holidays such as Black Friday, Cyber Monday, and end-of-year sales periods, particularly for Toyota-related purchases and services.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Excellent rewards for Toyota purchases and service, good for gas and dining cashback, useful for loyal Toyota customers.
Top Negative:
High APR, limited redemption options outside of Toyota, customer service can be slow, not ideal for general spending if not a Toyota loyalist.
Approval Experience: 70.0 / 100
Recommended Alternatives
- GM BuyPower Card
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 68.0 / 100
Est. Annual Rewards: $280.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0