Harrah\\\\\\\'s Total Rewards Credit Card Review

Harrah's Total Rewards Credit Card
Card issued by Bank of America, N.A. (USA)

harrahs total rewards credit card Summary - The Harrah's Total Rewards Credit Card will appeal to those who play at Harrah's Casinos and are members of their Total Rewards program as it allows you to earn points that can be added to your Total Rewards account balance.

Reward Formula - The Harrah's Total Rewards Visa allows you to earn one Total Rewards credit for every dollar you spend on the card. These Reward Credits will be added to your Total Rewards account balance, which can also earned by your gaming play at any Harrah's Operating Company casino and can be used to redeem a variety of rewards from Harrah's Total Rewards program. You can earn up to 40,000 Total Rewards points in one month. New cardholders get 2,500 bonus points after their first transaction on the card. As long as you use the card once every six months, your points will not expire.

Annual Fee and APR - The Harrah's Total Rewards credit card has no annual fee. New cardholders get a 0% introductory apr on both cash advance checks and balance transfer (subject to a balance transfer fee). The apr thereafter is either 7.90% or 13.99% depending on your credit. As with all Bank of America credit cards, the average daily balance method (including new purchases) is used to calculate your monthly balance.

Verdict - The high roller would spends at lot of time at Harrah's casinos should consider getting the Total Rewards Credit Card from Bank of America to earn more Total Rewards credits for their next Harrah's visit. You also get a good 0% introductory offer for both balance transfers and cash advance checks and a low interest rate as well.

Positives


  • No annual fee
  • 0% apr for both cash advance and balance transfers for twelve billing cycles
  • Low interest rates



Harrah's Total Rewards Credit Card
Rebate Formula
Reward Formula Earn one Total Rewards Credit for every dollar spent on the card
Caps on Rewards Earn up to 40,000 credits in one month
Benefits
Customer communications are send in Spanish and English
Total Security Protection
Various Internet account related services
Auto rental insurance
Various travel and emergency assistance services
Free Year-End Summary Statement
Lost luggage recovery
No liability for unauthorized Internet transactions
Discounts on auto rentals
Optional Mini Card
See website for additional benefits
Optional Purchase Guard
Cost/Fees/Interest rates
(APR) Purchase Goto rate is 7.90% for Platinum Plus Accounts or 13.99% for Preferred Accounts
(APR) Balance Transfer APR Intro Rate - 0% for twelve billing cycles. Goto rate is 7.90% for Platinum Plus Accounts or 13.99% for Preferred Accounts
(APR) Cash Advance Intro Rate - 0% for twelve billing cycles. Goto rate is 7.90% for Platinum Plus Account
13.99% for Preferred Accounts
Finance Configuration Average Daily Balance (including new purchases)
Annual Fees None
Additional Cardholders $0
Grace Period 20 days (Min)
Late Payment fee Based on Account balance on the fee assessment date - $15 for balances less than or equal to $100, $29 for balances $100.01 to $250, $39 for balances greater than $250.
Over-the-credit-limit fee Based on the highest Account balance during the Billing Cycle - $15 for balances less than or equal to $500, $29 for balances $500.01 to $1000, $39 for balances greater than $1000.
Cash Advance fee 3% min $10.00
Balance Transfer fee None when Balance Transfer is requested at time of application; thereafter, 3% of each advance (min. $10)