Total VISA® Credit Card
Total VISA® Credit Card Review
The Total VISA® Credit Card is decent option consumers trying to rebuild their credit, but this particular card does come with quite a few fees. Your account activity will be reported to the three major credit bureaus.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Total VISA® Credit Card
SIGN-UP BONUS
No bonus
REWARDS RATE
Earn 1% cash back rewards on payments made to your Total Credit Card
Same Day Approval
Get a Response in Seconds
Build Your Credit
Reports to all Three Major Credit Bureaus
Regular Purchase APR
35.99%*
Annual Fee
$75.00 1st year, $48.00 after*
Card Brand
Visa®
Recommended Credit Score
Poor/FairHighlights
- Earn 1% cash back rewards on payments made to your Total Credit Card
- Checking Account Required
- $300 credit limit (subject to available credit)
- No security deposit, simply pay a one-time $95 program fee to open your account.*
- User friendly Mobile App.
- *See Rates, Fees, Costs & Limitations for complete offer details
- See Total Card Visa Rewards Programs Terms & Conditions for details
Additional Info
N/A
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Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Mar 25, 2024
The Total VISA® Credit Card is a great option to consider for those who have no credit history or are looking to build their credit. Applicants will receive an instant response on the status of their app and they will be able to build credit because it reports to all three major credit bureaus.
Althought this is an unsecured card, it works very similar to secured cards so it does come with a few fees.
If you need your card faster than 7-10 business days, you can expedite delivery for a fee. This card is a Visa, which means it’s accepted everywhere Visa is accepted.
The Good
- The main benefit of the Total VISA® Credit Card is that it allows cardholders a chance to build their credit. Rather than using cash to pay for your purchases, you can pay with your card and then pay off the balance as soon as you can. After about 6-12 months, you should have a good track record established.
The Not So Good
- The annual fee is pretty high compared to the benefits of carrying the card.
The Bottom Line
The Total VISA® Credit Card is decent option consumers trying to rebuild their credit, but this particular card does come with quite a few fees. Your account activity will be reported to the three major credit bureaus.
Editorial Note: This content is not provided by Bank of Missouri. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Bank of Missouri.
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Welcome Offer
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Rewards Rate
Earn unlimited 2% cash rewards on purchases
Extra Perks
No categories to track or remember and cash rewards don't expire as long as your account remains open.
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0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 17.24% - 28.24% Variable APR.
Rewards Rate
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Sign-Up Bonus
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Intro Purchase APR
0% intro APR for 12 months on Purchases
Intro BT APR
0% intro APR for 21 months on Balance Transfers
Regular Purchase & BT APR
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