Toyota Credit Card Reviews: Is It Worth It? (2024)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 2.8/5 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 3.8/5 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
3.8/5
11 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
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
21.24% - 30.24% (V)
Balance Transfer
APR: 26.99%
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/$1 spent at Toyota dealerships; 2 points/$1 spent on gas, dining and entertainment purchases; 1 point/$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.
Toyota Credit Card's Additional Info
Visa Benefits: Emergency Card Replacement and Cash Disbursement, Zero Liability, Roadside Dispatch and many more.
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
3.8
Market Comparison
2.7
fees: 3.8
rewards: 2.7
cost: 2.5
Other Features: 0.0
2.5WalletHub Rating
WalletHub Rating
2.5
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
3.8
User Reviews
3.8
Market Comparison
2.2
fees: 2.1
rewards: 2.4
cost: 2.3
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
4.2
fees: 5.0
rewards: 5.0
cost: 4.3
APR: 3.8
(11)
(464)
(5,115)
annual fee$0
annual fee$250
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 60,000 points
bonus offer 20,000 miles
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.
Online:Log in to your online account or use the EasyPay feature in order to pay your bill.
Over the phone: Call (844) 271-2704 to make a payment over the phone.
Via mail: To pay your credit card via mail, send a check or money order (but not cash) to:
Comenity Capital Bank PO Box 650964 Dallas, TX 75265-0964
If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date. Also, include your credit card number on your payment to avoid any processing delays.
The Toyota Credit Card phone number for customer service is (844) 271-2712. You can use this number to check your account balance, make a payment, or for other general customer service inquiries. Alternatively, you can use the card's online Virtual Assistant or contact customer service via mail.
How to contact the Toyota Credit Card customer service:
Over the phone: To contact customer service over the phone, call (844) 271-2712.
Through the Virtual Assistant: Visit the Toyota Credit Card's webpage...
Share your insights and review for the Toyota Credit Card
5
64%
4
0%
3
9%
2
9%
1
18%
3.8
11 reviews
11 reviews
What's Your Rating?
Review sort
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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0
0
stevenl_164 @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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Comment
0
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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Comment
0
0
Michelle @michellecadle870
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2 Star Rating
Verified Customer
Since Bread has bought Comenity they aren’t reporting each month & it’s affecting credit scores. I have multiple cards with them. It’s extremely upsetting. Card is paid in full.
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Comment
1
0
Sheila @skip50sp
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5 Star Rating
Verified Customer
They've kept a lower interest rate than my other cards and my points accumulate significantly toward car repairs and/or purchases at my toyota dealer without major spending on my part.
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Comment
0
0
Diane @dianer_70
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5 Star Rating
Verified Customer
❤️⭐️?GREAT COMPANY THIS IS THE BEST BENEFITS I LOVE MY TOYOTA CREDIT CARD?❤️?? I HAVE CLIMBED SO MANY MOUNTAINS WITH LOVE AND PEOPLES ARE SO BEAUTIFUL ?
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Comment
0
0
Alvaro @mrlolo30
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5 Star Rating
Verified Customer
If you own a Toyota vehicle and plan on taking your vehicle for service and future purchases at Toyota then this card is for you. You will also get six month interest free if paid in full.
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0
0
+ 1 WalletHub user submitted a rating without writing a full review
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