What the Comenity Caesars Rewards Visa is and who should consider it

The Comenity Caesars Rewards Visa is a co-branded credit card issued by Comenity Bank in partnership with Caesars Entertainment. It's designed for people who gamble at Caesars properties or want to earn rewards on everyday purchases that convert to casino credits. The card earns points on all spending, with higher earning rates at Caesars locations, and those points can be redeemed for free play, hotel stays, or dining at Caesars resorts.

This card makes sense if you already spend money at Caesars casinos or resorts and want those purchases to work harder for you. It's less useful if you don't visit Caesars properties or if you're looking for a general-purpose rewards card with better earning rates outside the casino ecosystem.

Key Takeaways

  • The card earns points on all purchases, with bonus rates at Caesars locations, and points convert directly to free play or resort credits.
  • There is no annual fee, but the card requires a credit check and approval from Comenity Bank.
  • Points never expire as long as your account remains open and active, but closing the account may forfeit unused points.
  • The card's value depends entirely on how often you visit Caesars properties and how you redeem your points.

How earning and redeeming points works

The card earns 5 points per dollar spent at Caesars Entertainment properties (casinos, hotels, restaurants, and shops within those locations). On all other purchases, you earn 1 point per dollar. Points are posted to your account after each transaction clears.

You redeem points through your Caesars Rewards account, which is linked to your credit card. Points convert to free play at a rate that varies by property and redemption method, but typically 100 points equals $1 in free play. You can also use points toward room rates, dining credits, or special experiences at Caesars resorts. The redemption options appear in your online account or through the Caesars mobile app.

Points do not expire as long as your account is in good standing and you use your card or Caesars Rewards account at least once every 12 months. If your account is closed, you generally lose any remaining points, so check your balance before closing the card.

Annual fees and interest rates

The Comenity Caesars Rewards Visa has no annual fee, which means you pay nothing just to hold the card. This is one of its main advantages over premium casino credit cards that charge $95 or more per year.

The card's purchase APR (the interest rate you pay on balances you don't pay off each month) varies by creditworthiness and is determined during the approval process. Comenity typically offers rates ranging from 16% to 24% APR, though your actual rate depends on your credit score and credit history. Cash advances carry a higher APR and a fee of 3% of the amount withdrawn. If you carry a balance, interest accrues daily, so paying your full statement balance each month is the only way to avoid interest charges.

Who qualifies and how to open an account

To open a Comenity Caesars Rewards Visa, you must be at least 18 years old, have a valid Social Security number, and have a U.S. mailing address. Comenity will pull your credit report during the process process, so a hard inquiry will appear on your credit file. You do not need an existing Caesars Rewards account, but you will need one to link to your card and earn points.

You can explore online through the Caesars Entertainment website or through Comenity's website. The process takes about 10 minutes and asks for basic personal and financial information. Approval decisions are usually made within minutes, though some applications may require manual review and take up to a few business days. If you're denied, Comenity will send you a letter explaining the reason, and you can request a copy of your credit report from the credit bureaus to see what factors influenced the decision.

How this card compares to other casino credit cards

The main competitor is the Caesars Entertainment Visa, which is a different card also issued by Comenity but with different earning rates and benefits. The standard Caesars Rewards Visa (the subject of this article) focuses on earning points that convert to free play, while some premium versions offer additional perks like annual free play bonuses or accelerated earning at certain merchants.

Compared to general-purpose rewards cards like the Chase Sapphire Preferred or American Express Gold, the Caesars card earns fewer points on most purchases (1 point per dollar versus 2 or more on travel and dining). However, if you spend heavily at Caesars properties, the 5x earning rate there can offset that disadvantage. The key difference is that Caesars points are locked into the Caesars ecosystem, while points from general-purpose cards can be transferred to travel partners or redeemed for cash back.

What happens to your points and account if you close the card

If you close your Comenity Caesars Rewards Visa, your points do not automatically disappear, but they become harder to access. Your points remain in your linked Caesars Rewards account as long as that account stays active. However, if you close the credit card and do not use your Caesars Rewards account (through the app, website, or at a casino) for 12 consecutive months, your account may be deactivated and your points forfeited.

To keep your points alive after closing the card, log into your Caesars Rewards account online or use the mobile app at least once per year. You can also visit a Caesars property and use your Caesars Rewards number at a slot machine or table game. If your account is deactivated, contact Caesars customer service to see if they will reinstate it, though there is no may provide.

Fraud protection and security features

The Comenity Caesars Rewards Visa includes standard fraud protection: if unauthorized charges appear on your statement, you can dispute them with Comenity within 60 days. Comenity will investigate and typically reverse fraudulent charges while the investigation is underway. Your liability for unauthorized charges is capped at $50 under federal law, though Comenity often waives this entirely if you report the fraud promptly.

The card does not include advanced security features like chip technology or contactless payment on all versions, so check your card when it arrives. If your card is lost or stolen, call the number on the back of your card or contact Comenity directly to report it. Comenity will cancel the card and issue a replacement, usually within 7 to 10 business days.

Frequently Asked Questions

Do I need to be a Caesars Rewards member to open this card?

No, but you will need to create or link a Caesars Rewards account to earn and redeem points. You can do this during the card process process or afterward through the Caesars website or mobile app. Your Caesars Rewards number is free and takes about five minutes to set up.

Can I use my points at any casino or only at Caesars properties?

Points can only be redeemed at Caesars Entertainment properties, which include Caesars Palace, Bellagio, The LINQ, Paris, Planet Hollywood, and others. They cannot be used at non-Caesars casinos or converted to cash outside the Caesars system.

What happens to my points if I don't use my card for a long time?

Points do not expire as long as your Caesars Rewards account stays active (used at least once every 12 months). If you close the credit card but keep your Caesars Rewards account active by logging in online or visiting a casino, your points remain safe. If both the card and account go unused for 12 months, your account may be deactivated and points forfeited.

Is there a sign-up bonus for opening this card?

Sign-up bonuses vary and change periodically. When available, they typically offer a one-time free play credit (ranging from $50 to $150) after you open the account or make your first purchase. Check the current offer on the Caesars or Comenity website before explore, as the bonus terms are not may provide to remain the same.

What credit score do I need to be approved?

Comenity does not publish a minimum credit score, but the card is generally easier to obtain than premium rewards cards. People with fair credit (scores around 650 and up) have a reasonable chance of approval, though the APR you receive will be higher if your score is lower. The only way to know your chances is to explore, since the hard inquiry will happen regardless.