Toyota Rewards Visa® Credit Card — Comenity Capital Bank is a personal credit card from Comenity Capital Bank. The annual fee is None. The ongoing APR is 33.74% to 19.74% when you open your account, based upon your creditworthiness. This APR will vary with the market based on the Prime Rate.. Signup bonus: earn 5,000 Bonus Points, a $50 value, when you spend $500 on your Toyota Rewards Visa Signature® Credit Card outside of Toyota Dealerships within the first 90 days of account opening. Rewards: 5 points per $1 spent on purchases with your Toyota Rewards Visa® Credit Card at participating Toyota Dealerships; 2 points per $1 spent on purchases with your Toyota Rewards Visa® Credit Card for gas, dining and entertainment; 1 point per $1 spent on purchases with your Toyota Rewards Visa® Credit Card everywhere else Visa is accepted.