New to Your Credit Network is the Total Rewards Credit Card brought to you by VISA and Bank of America. This blog will feature the basics of the card, how the reward program works and how it compares to other cards.
Total Rewards Visa Credit Card: The Basics
- The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks
- Fixed 13.99% APR
- No annual fee
- No application fee
- Point based rewards
Total Rewards Card: The Rewards
If you are looking to get a card with a large point bonus following your first retail purchase made with the card, this is it. After your first purchase you will receive 2,500 Reward Credit points. A great feature of the Total Rewards card is that there is no expiration date on the reward points! All you have to do is make sure you accumulate 1 Reward Credit point every 6 months, so there is no pressure or rush to use the card or the points. You can use it whenever you feel like it is right for you. There is, however, a limit to amount of points that you can acquire in one year. You may only acquire 480,000 points (40,000 points per billing cycle), but doing so would require that you spend more than $40,000 per month - so unless you spend that much you have very little to worry about.
This card believes you should be rewarded as much as possible for your spending and has the reward system to match, featuring things like:
- Exclusive vacations
- Gourmet meals at great restaurants
- Hotel room upgrades
- Travel exclusives
- Tickets to the hottest shows
This card also comes with an exclusive feature: added bonuses at any Harrah's casino. If you are a frequent visitor of any of the Harrah's casinos, then you can use your card there for increased bonus points and exclusive offers and promotions. Additionally, every time you use your card in a Harrah's casino you will be rewarded with Reward Credit points, allowing you to use them in any way your want toward hotel services and gambling programs. You can also use www.harrahs.com to keep track of your points and any other questions regarding your use of your point to acquire their services. This exclusive Harrah's casinos feature is a great and useful addition for this card to have - especially if you frequent any casino managed by the Harrah's group!
Total Rewards Visa Card: A Comparison
This card holds a high yearly point limit, allowing you to cash in as much as possible. Another feature that sets this card apart is the lack of an expiration date: you might see 4 or 5 years as an expiration date on some cards, you do not have to worry about that with this card since it will only expire when you want it to. The Total Rewards card teams with Harrah's, but you see added benefits come with that. All these great rewards show that this card looks to help you as much as possible. They are not just worried about you using their card for purchases. If you help them out, they will reward you for it. This card is intended for those with good to perfect credit, and it shows with the lack of fees and 0% introductory rate. So if you are looking for a card with great benefits and great opportunity, then the Total Rewards Credit Card is the credit card for you.
Click here to apply for the Total Rewards Visa Credit Card online.
Gary Edwards Jr.
Team YourCreditNetwork