Total VISA® Credit Card | CompareCards.com

Total VISA® Credit Card

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on Bank of Missouri's secure site

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Total VISA® Credit Card

 

Rated 2/5.0 stars by our editorial team

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  • Regular Purchase APR 35.99%*
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $75.00 1st year, $48.00 after*
  • Credit Needed Poor/Fair
  • Card Brand Visa®
  • Regular Purchase APR 35.99%*
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $75.00 1st year, $48.00 after*
  • Credit Needed Poor/Fair
  • Card Brand Visa®

Highlights

Impression Pixel

Card Fees

Foreign Transaction Fee

N/A

Balance Transfer Fee

N/A

Penalty APR

N/A

Ongoing Information

Rewards Rate

Earn 1% cash back rewards on payments made to your Total Credit Card

Annual Fee

$75.00 1st year, $48.00 after*

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 CompareCards.com Editorial Team, updated on May 02, 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. 

Expert Reviews of the Total VISA® Credit Card

  • 2.0

    Regular APR

  • 1.0

    Intro APR

  • 1.0

    Fees

  • 2.0

    Benefits

  • 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.

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YOUR RATING

 

Rated 2/5.0 stars by our editorial team

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