Toyota Rewards Visa Signature Card
Basic Information
Program ID: toyota-rewards-visa
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/15/2026 12:42
Last Scraped: 01/15/2026 12:44
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $15,000.00
Spending Requirement: $1,500.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours of statement closing.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Toyota Dealerships (Parts, Service, Accessories), 2x Gas Stations
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: New cardmembers for the Toyota Rewards Visa in 2026 are eligible for a one-time sign-up bonus (e.g., $100 statement credit or 10,000 Toyota Rewards points) upon spending a specified amount (e.g., $500) within the first 3 months of account opening. Eligibility requirements include being at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Bread Financial's creditworthiness standards, which typically require good to excellent credit. Approval is subject to a review of the applicant's credit history, income, and existing credit relationships with Bread Financial.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Bread Financial products, late payments, defaulting on other Bread Financial accounts, suspicious spending patterns, credit abuse, rapid application for multiple credit products from Bread Financial, or significant changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Great for Toyota loyalists and frequent dealership visitors, offers good rewards on gas and dining, points can be used for various Toyota purchases and services.
Top Negative Feedback:
High APR, limited value for non-Toyota spenders, Comenity customer service can be challenging, rewards structure can be complex to maximize.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- GM BuyPower Card
- Hyundai Visa Signature Card
- Chase Freedom Unlimited
Card Value Score: 70.0 / 100
Est. Annual Rewards: $300.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 70% General / 30% Brand-Specific
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0