The Total Rewards Credit Card credit score requirement is 700 or higher. That means applicants for the Total Rewards Credit Card need good credit or better to get approved. Besides a credit score of at least 700, you must be a member of the Caesars Rewards Program, which requires you to be at least 21 years old. You also need to be a U.S. resident to be eligible for the Total Rewards Credit Card.
The Total Rewards Credit Card is best for members of the Caesars Rewards program, as it gives supplemented rewards for going to eligible resorts and casinos. Total Rewards Credit Card cardholders earn 5 points per $1 spent on Total Rewards purchases, 2 points per $1 spent on airlines, gas and groceries, 1 point per $1 spent on all other purchases. Plus, cardholders can earn a signup bonus of 10,000 points after spending $750 outside of a Total Rewards destination in the first 90 days. The Total Rewards Credit Card features a $0 annual fee.
The Comenity Bank credit cards that are easy to get are the ones that require fair credit for approval. That means you’ll need a score of about 640 or higher. And since the average person’s credit score is about 40 points above that, these cards are well within reach for most of us.… read full answer
Unfortunately, Comenity Bank doesn’t offer any cards for people with bad credit, so its cards aren’t quite as easy to get as secured credit cards, for example. It’s also important to note that Comenity Bank specializes in store cards, which you’ll only be able to use at one (or sometimes a few) specific retailers.
Here are some Comenity Bank credit cards that are easy to get:
Zales Credit Card. Requires fair credit. $0 annual fee. 10% off all repair services. $50 off a $149+ purchase on your birthday. Deferred interest of 0% to 9.99% for 6 to 36 months. 29.99% regular APR. Free shipping and exclusive coupons.
Ann Taylor Store Card. Requires fair credit. $0 annual fee. 5 points per $1 spent at Ann Taylor family brands.
West Elm Credit Card. Requires fair credit. $0 annual fee. 1 reward dollar for each $1 of net eligible purchases made at West Elm locations or westelm.com. Deferred interest of 0% for 12 months. 26.99% (V) regular APR.
Petland Credit Card. Requires fair credit. Annual fee: None. 1 point per $1 spent, up to 2,000 points per billing cycle . Exclusive discounts and promotional financing.
As you can see, these cards charge $0 annual fees, and all of them provide nice perks at their respective retailers. Comenity Bank also has quite a few store cards that require good credit for approval. They include cards tied to Orbitz, Williams Sonoma, Loft and Westgate Resorts. But if your score is below 700, it’s best to just stick with the cards for fair credit.
The best Total Rewards Credit Card benefits are 10,000 points after spending $750 outside of a Total Rewards destination in the first 90 days and up to 5 points / $1 spent at Total Rewards resorts and casinos and on sport, concerts and show tickets through Caesars Rewards Live Events.
Here are the best Total Rewards Credit Card benefits:
10,000 Reward Credits bonus: Received after spending $750 outside of a Total Rewards destination in the first 90 days.
Earn up to 5 points / $1: Eligible for purchases in Total Rewards resorts and casinos, along with sports, concerts and show tickets through Caesars Rewards Live Events.
Buffet pass or Dining Credit: Receive one buffet pass or a dining credit for qualifying properties 30 days after your firs purchase.
Free Platinum Status: You receive an upgrade to Platinum status by making your first purchase in the first 90 days. This will give you extra discounts at participating casino gift shops, qualifying cruise lines, complimentary parking at many destinations and more.
Visa Signature Benefits. Some Total Rewards Credit Card cardholders are approved for the Visa Signature version of the card, depending on creditworthiness. That comes with increased benefits such as rental car insurance, trip delay reimbursement, hotel/motel burglary coverage and 24/7 travel and emergency assistance services. Just reach out to Comenity Bank at (855) 381-5715 to see if you qualify for the Visa Signature version of Total Rewards Credit Card.
24/7 Roadside Dispatch. Round-the-clock dispatch with assistance covering services such as towing (up to 5 miles included in service call rate), tire changes (must have inflated spare), jump starts, lockout service (no key replacement), fuel delivery (up to 5 gallons, plus the cost of fuel) and standard winching. Terms and set rate per service call apply.
Increased Security and Emergency Cash. You can report a lost or stolen card through VISA 24/7. VISA will block your card and upon request of emergency cash, connect with your Total Rewards Credit Card issuer. Following approval, you can get an emergency card replacement within 3 business days, or VISA can arrange for cash to be made available to you at a location near you, usually within hours of your bank’s approval.
Zero Liability. You are not responsible for any unauthorized use of your card or account information.
Just know that the Total Rewards Credit Card requires good or better for approval. And applications trigger a hard pull which may cause a temporary dip in your credit score. So make sure you know where you stand before applying. You can check your credit score for free, right here, on WalletHub.
The minimum credit score needed for a Comenity Bank credit card varies by card. Applicants who have a good credit score (i.e. a credit score of 700+) can get approved for most Comenity Bank credit cards, while a fair credit score (i.e. a credit score of 640+) is enough for others.… read full answer
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