Harrah’s Total Rewards Visa Review

  • 3 min read

The Harrah’s Total Rewards Visa is a partnership rewards casino credit card that can be used in a variety of ways. It qualifies to earn rewards at any Total Rewards destination or property. It rewards everydayconsumer purchases,, offers upgrade options, and has low minimum thresholds that must be met (compared to other casino credit cards )to maintain account status.

There are three primary ways to earn points with the Harrah’s Total Rewards Visa.

  • All account holders receive five points for every $1 spent at a Total Rewards resort, casino, or property. Total Rewards live events also qualify for this rewards level, including sporting events, concerts, and shows.
  • Double points are earned for fuel, groceries, and airline-related purchases.
  • All other purchases earn points on a 1-for-1 basis.

New accounts earn 10,000 reward credits by spending $750 within the first 90 days of the account opening.

All account holders also qualify for a specific reward annually from a choice of four options. You can choose two buffet passes at any Total Rewards destination, receive two tickets to the High Roller in Las Vegas, choose a one-night stay at a Total Rewards property, or receive two show tickets at a Total Rewards destination.

Rewards credits that are earned through the Total Rewards program will never expire. To keep this casino credit card in active status, account holders must make at least one purchase every 6 months. There is no limit on the number of rewards points that can be earned.

How to Upgrade the Harrah’s Total Rewards Visa

In addition to the previous rewards, new account holders can earn Platinum status on the Harrah’s Total Rewards Visa simply by making a purchase within the first 90 days of the account opening. This qualifies the account for three specific benefits.

  • Receive a 15% discount at casino gift shops, participating spas, and other participating Total Rewards locations.
  • Receive preferred pricing options when dining at a Total Rewards restaurant.
  • Receive pre-sale access that is exclusive for Total Rewards account holders for select shows.

After the first year of having this account open, a minimum of $5,000 in spending within the current calendar year in subsequent years is required in order to maintain Platinum status.

For account holders that spend $10,000 or more in a calendar year, the Harrah’s Total Rewards Visa upgrades to VIP status. This allows for VIP line access at participating Total Rewards restaurants, exclusive line check-ins, VIP taxi access, VIP entertainment venue access, and preferred entry into participating night clubs in Las Vegas.

VIP status also provides pool access at all Total Rewards Las Vegas locations.

What Is the Pricing and Terms of the Harrah’s Total Rewards Visa?

The Harrah’s Total Rewards Visa offers a variable APR of 14.24%-23.24% based on the credit score of the applicant. The APR will then change as the Prime Rate changes throughout the year.

This casino credit card offers all account holders a 26.24% APR for all balance transfers and cash advances. If you are charged interest on this credit card, then the minimum charge will be $2, no matter what the actual balance may be.

There is no annual fee associated with the Harrah’s Total Rewards Visa.

View for more information about the Harrah’s Total Rewards Visa.

Information if you wish to apply for the Harrah’s Total Rewards Visa.

You may be asked to sign up for a free rewards program or membership program before the credit card application process.

Christopher - BSc, MBA

With over two decades of combined Big 5 Banking and Agency experience, Christopher launched Underbanked® to cut through the noise and complexity of financial information. Christopher has an MBA degree from McMaster University and BSc. from Western University in Canada.