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Total VISA® Credit Card


Rated 2/5 stars by our editorial team

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  • Regular Purchase APR See Terms
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee See Terms
  • Credit Needed

    Bad Credit

  • Card Brand Visa®

Card Details


  • Click "APPLY NOW" to apply online
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa® card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Program Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free! 

Card Fees

Cash Advance Fee See Terms

Ongoing Information

Annual 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

From the 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. The is an annual fee. First time cardholders will be charged a one-time fee.

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. 

Expert Reviews of the Total VISA® Credit Card

  • 2.0

    Regular APR

  • 1.0

    Intro APR

  • 1.0


  • 2.0


  • star rating 2.0/5

    Overall Rating

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.

Consumer Reviews

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