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Total VISA® Credit Card

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on Bank of Missouri's secure site

Total VISA® Credit Card

 

Rated 2/5 stars by our editorial team

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Your Rating:

3.3/5.0 from 6 Offer Ratings
Over the Past 60 Days!

(6) Over the Past 60 Days!

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on Bank of Missouri's secure site


  • Regular Purchase APR

    See Terms

  • Intro Purchase APR

    N/A

  • Intro BT APR

    N/A

  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    See Terms

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus

Card Fees

  • Balance Transfer Fee

    N/A

  • Cash Advance Fee

    See Terms

Additional Card Details

  • $0 Fraud Liability

    No

  • Auto Rental Insurance

    No

  • Extended Warranty Program

    No

  • Roadside Assistance

    No

  • Purchase Protection

    No

  • Travel Assistance

    No

  • Flight Accident Insurance

    No

  • Lost Luggage Reimbursement

    No

  • Concierge Service

    No


Expert Reviews

  • Regular APR

    2.0

  • Intro APR

    1.0

  • Fees

    1.0

  • Benefits

    2.0

  • Overall Rating

    2.0 /5

From the LendingTree.com Editorial Team

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 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.

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.


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.

Expert Reviews of the Total VISA® Credit Card

  • Regular APR

    2.0

  • Intro APR

    1.0

  • Fees

    1.0

  • Benefits

    2.0

  • Overall Rating

    2.0 /5


Consumer Reviews 6 Reviews

Offer Rating

3.3 out of 5.0

5 Star
 
 
(1)
4 Star
 
 
(2)
3 Star
 
 
(1)
2 Star
 
 
(2)
1 Star
 
 
(0)

Your Rating

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