Toyota Credit Card Reviews: Is It Worth It? (2025)Reviews, rates, fees, and rewards details for The Toyota Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rate5,000 points initial rewards bonusNo intro APR on purchasesNo intro APR on balance transfersForeign feeRequires good/excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Toyota Credit Card has a rating of 2.7/5 according to our proprietary credit card rating system. This rating reflects how appealing Toyota Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Gas Rewards'. To break it down further, Toyota Credit Card earned a score of 3.8/5 for Fees, 2.7/5 for Rewards, 2.5/5 for Cost, and 3.4/5 for User Reviews. Info about the Toyota Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.4/5
20 reviewsRead and write reviews
Market Comparison
Market Comparison
2.7
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Gas Rewards” for this card.
Fees
3.8
Rewards
2.7
Cost
2.5
Other Features
0.0
2.7/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
19.99% - 33.99% (V)
Balance Transfer
APR: 19.99% - 33.99% (V)
Balance Transfer Fee:5% (min $10)
Rewards
Earn 5,000 bonus points when you spend $500 outside of Toyota dealerships within the first 90 days.
Earn 5 points per $1 spent at Toyota dealerships; 2 points per $1 spent on gas, dining and entertainment purchases; 1 point per $1 spent everywhere else Visa is accepted.
Redeem points on service, parts, accessories, eligible Toyota vehicle purchases, cash back as a statement credit, Gift cards and Travel experiences.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.4
Market Comparison
2.7
fees: 3.8
rewards: 2.7
cost: 2.5
Other Features: 0.0
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.0
User Reviews
3.8
Market Comparison
4.0
fees: 1.3
rewards: 4.8
cost: 4.7
Other Features: 0.0
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.5
Market Comparison
4.3
fees: 5.0
rewards: 5.0
cost: 4.3
APR: 3.8
(20)
(500)
(5,319)
annual fee$0
annual fee$325
annual fee$0
rewards rate 1 - 5 points / $1
rewards rate 1 - 4 points / $1
rewards rate 1.25 - 5 miles / $1
bonus offer5,000 points
bonus offer As High As 100,000 points. Find Out Your Offer.
bonus offer 20,000 miles + $100 Capital One Travel credit
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
transfer intro aprNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
Can't find what you are looking for? Submit your question about Toyota Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can make Toyota Credit Card payment online, by phone, by mail or through EasyPay. To pay your Toyota Credit Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Capital Bank does allow cardholders to set up automatic payments, too.
Ways to Make Toyota Credit Card Payment
Online: Log in to your online account or use the EasyPay feature in order to pay your bill.
By phone: Call 1-844-271-2712 and enter your card information when prompted, then press n/a.
By mail: Send a check or money order (but not cash) to
Comenity Capital Bank PO Box 183003 Columbus, OH 43218-3003
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a Toyota Credit Cardpayment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
To talk to Toyota Credit Card customer service, call 1-844-271-2712 and then wait to be connected to an agent. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Toyota Credit Card Customer Service by Phone
Call the Toyota Credit Card customer service department. You can even use the number on the back of your card.
Toyota points are worth 1 cent each, on average. For example, 10,000 Toyota points have a dollar value of roughly $100. As a result, Toyota points are less valuable than the average car company's rewards points, which are valued at 1.31 cents each.
The exact value of Toyota points ultimately depends on how they are redeemed. They have the most value when used for store credit, but there are other options. The easiest way to calculate...
To cancel a Toyota Credit Card, call customer service at (844) 271-2712 or log in to the Comenity Bank website.
Be aware that if there's a balance remaining on the canceled account, you are still required to make at least the minimum payment every month until the balance is paid in full. In addition, if you cancel your credit card, you will forfeit any unused points, so be sure to redeem them before you close the account....
The easiest way to apply for the Toyota Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Comenity Capital's website. Alternatively, you can apply by phone or in person.
Keep in mind that the Toyota Credit Card requires good credit, which means you need a 700+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry,...
Share your insights and review for the Toyota Credit Card
5
55%
4
5%
3
5%
2
5%
1
30%
3.5
20 reviews
20 reviews
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Suck It @Longhouse
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1 Star Rating
The Toyota credit card is inaccurately reporting to credit bureaus. They stated I was over my credit card limit when, in fact, this was not the case. This caused my credit rating to go from very good to poor. At the time, I was applying for a mortgage. This is a nightmare. Now I may be homeless or pay a ridiculously high APR on a mortgage.
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1
0
Erik Ramos @hazmatinvest
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1 Star Rating
The worst credit card ever! You make a payment, and even if it has cleared your bank, you have to wait 10 business days after the payment has cleared to use the available credit posted online and over the phone. The credit card representative supervisor confirmed that this policy is not in the credit card user agreement. This is fraud and false advertising.
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0
0
Margarita Felix @margarifelix
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1 Star Rating
The most disadvantageous credit card ever, not to mention abusive! If you don't pay it back in full within 6 months, they will charge you the entire amount you've been paying, and you'll start again from zero dollars. Whenever you see Comenity Bank, including their Burlington card, run away as fast as possible. Is Headquarter Toyota offering you this "Comenity card"? Go find another financial solution!
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0
Margaret W @hummingbirdmusic2
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1 Star Rating
Verified Customer
The customer service representative I initially spoke with failed to verify my phone number, which prevented me from logging in after setting up my account. I suspected I may have entered my username or password incorrectly, but I later confirmed my username was correct. The following day, I interacted with another representative who confirmed my phone number. However, I still cannot log in or change my password. I was informed that access would be granted in 10 business days.
I intended to set up an automatic payment, but they do not offer this service over the phone, causing me to wait 10 days before I can arrange it. My first statement arrived with just one day left to organize six months of payments through my bank to avoid forfeiting my six-month interest-free incentive. I was then informed that setting up automatic payments could take 2 to 3 months to become effective, which is highly unusual and inefficient.
Additionally, I am not accruing any points on this card, contrary to the information provided. Given these issues, I am considering canceling the card.
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0
0
Han Charles @Charlito
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1 Star Rating
Worst credit card ever. They said Zero Interest the first year and months later they charge you 30.24%. I don't recommend this card to Nobody
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0
0
tomg0153 @tomg0153
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5 Star Rating
Verified Customer
Information is very helpful and informative. Suggestions to improve credit score are clear and well managed. Completely understandable and directives concise.
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0
0
Rebecca @becky_ekwere
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5 Star Rating
Verified Customer
I like Toyota because they gave promotion with interest free for 6 months and 12 months and I use it to fixed my car. I always tried to pay it off thank for interest free
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Comment
1
0
Steven L @stevenl_164
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5 Star Rating
Verified Customer
2% cash back at gas stations, groceries, and restaurants. 5% cash back at Toyota dealerships for parts and labor on Toyota vehicles.
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0
0
Hisservant63 @Hisservant63
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3 Star Rating
VERY difficult to log in most times. Good thing they have the Easy Pay feature. Have to remember to look at Current Balance, not statement balance. I Like getting the extra points when going to Toyota Service.
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1
0
Victoria @mindysbboy
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1 Star Rating
Verified Customer
This is ridiculous. It's impossible to log on, the site says it's having tech difficulties to do the fast pay thing. To actually log on, it says my password is wrong, I try to change it, and they're having tech difficulties My balance somehow went up last month after payment but shocker, I can't look and see why, just paid it on the phone this month. The automated voice tries to kick you to a human in the middle of trying to pay. Repeatedly.
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