Double the Rewards: Earn Up To 10% Cash Back on Purchases at select merchants & 1% Back on Payments!^^
When your account is opened, you are automatically enrolled and start earning and the ability to redeem begins after your account has been open and active for 6 months.
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How do I apply for Total Visa Rewards?
Simply apply for a Total Visa account today! Once approved, you’ll automatically be enrolled in Total Visa Rewards. You’ll earn 1% cash back on payments made to your Total Visa account, plus Up To 10% Cash Back on purchases at select merchants.^^ After opening your account, you are automatically enrolled in Total Select Rewards and can begin redeeming accrued points after your account is active for 6 months.^^
How do I earn rewards?
You can earn rewards by making payments to your Total Visa Credit Card or by shopping at participating merchants. Rewards are tracked as points:
Payments: Earn 1 point for every $1 paid to your account, equivalent to 1% cash back in Total Visa Rewards^^
Shop at participating merchants: Earn cash back when you shop at select merchants. Cash back rates will vary by retailer and are subject to change. You can view participating merchants and cash back amounts in your online account at Myccpay.com or the Total Card Mobile App.^^
How do I redeem rewards?
Once your account is open for at least 6 months and remains in good standing, you can redeem your accrued rewards. Rewards can be redeemed online at Myccpay.com, in the Total Card Mobile App or by calling our friendly customer service team. Points can be redeemed in 500-point ($5) increments and will be applied as a statement credit to your account. Rewards redeemed as a statement credit to your Total Visa account are applied to your outstanding account balance. You must still make regularly scheduled payments.
Will my rewards expire?
Total Visa Rewards do not expire and are good for the life of the account. However, if your account is closed for any reason, you will lose any unredeemed rewards.
Do I need to activate merchant cash back offers?
No activation is required. Cash back offers are automatically active and ready to use. Simply shop at participating merchants to start earning rewards.^^
Which stores offer cash back?
Our list of participating merchants is regularly updated with new offers. You can view the most current list anytime in the Total Visa App or by visiting the Rewards tab at Myccpay.com.
How long does it take for cash back to be credited to my account?
Rewards are posted within 60 days of the qualifying transaction.
• Your account must be current (no past-due payments) and in good standing (not over the credit limit or in default).
• Rewards may appear as pending before they become available for redemption.
Please note: Timing may vary depending on your card’s terms and activity. If your account is not current or in good standing, rewards may be delayed.
^^1% cash back is earned on payments to your Credit Card. The 10% cash back rate is available only at a limited number of participating merchants. Participating merchants and specific reward amounts are available in your online account and are subject to change. See Total Card Visa Rewards Program Terms & Conditions for details.
