Total Visa Credit Card review

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2.1/10
Informr score
The Total Visa Credit Card currently has an Informr score of 2.1 out of 10. This score is based on our evaluation of 4 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Total Visa Credit Card is typically available to those with poor credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


CreditCards.com

The Total Visa Unsecured does offer some benefits to those with bad to fair credit looking to improve their credit scores, including an easy application process and no required security deposit. But with a high annual fee, program fee and monthly servicing fee, cardholders will have to pay quite a b...

- Emily Sherman, CreditCards.com
ValuePenguin

The card's unusual restrictions and fees make it a bad choice for applicants, even those who have restricted choices due to poor credit scores. Most people, if not all, would be better served by applying for a different credit card

- Joe Resendiz, ValuePenguin
WalletHub

The Total VISA® Credit Card is the exact opposite of the complete package, charging you an arm and a leg for a very modest unsecured credit line.

- John S Kiernan, WalletHub
Cardcruncher

The TOTAL Visa Unsecured Credit Card can help you to rebuild your credit, but it’s not the best way to do this for most people. Consider it if you absolutely can’t afford the security deposit for a secured credit card.

- Kailey Fralick, Cardcruncher

Details


Interest Rates
Regular APR Interest Rate 34.99%
Balance Transfer Interest Rate
Cash Advance Interest Rate 34.99%
Rates & Fees
Annual Fee $48.00

- $75.00 for first year

- If approved, there's a $89 one-time fee

- Monthly Servicing Fee of $6.25 (None for first year)

Balance Transfer Fee
Cash Advance Fee 5%

Minimum of $5

Foreign Transaction Fee
Over Limit Fee
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees -
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Additional Benefits

- Monthly reporting to all three credit bureaus

- Choose your custom card design for free

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


CreditCards.com

Doesn’t require a security deposit but cardholders will be buried in additional program fees

from CreditCards.com

The Total Visa Unsecured does offer some benefits to those with bad to fair credit looking to improve their credit scores, including an easy application process and no required security deposit. But with a high annual fee, program fee and monthly servicing fee, cardholders will have to pay quite a bit for these perks.

Read full review

The Total Visa Unsecured does offer some benefits to those with bad to fair credit looking to improve their credit scores, including an easy application process and no required security deposit. But with a high annual fee, program fee and monthly servicing fee, cardholders will have to pay quite a bit for these perks.

Read full review

Less

ValuePenguin

An easy card to qualify for, but it's riddled with fees

from ValuePenguin

The card's unusual restrictions and fees make it a bad choice for applicants, even those who have restricted choices due to poor credit scores. Most people, if not all, would be better served by applying for a different credit card

Read full review

The card's unusual restrictions and fees make it a bad choice for applicants, even those who have restricted choices due to poor credit scores. Most people, if not all, would be better served by applying for a different credit card

Read full review

Less

WalletHub

Available to people with bad credit

from WalletHub

The Total VISA® Credit Card is the exact opposite of the complete package, charging you an arm and a leg for a very modest unsecured credit line.

Read full review

The Total VISA® Credit Card is the exact opposite of the complete package, charging you an arm and a leg for a very modest unsecured credit line.

Read full review

Less

Cardcruncher

A costly way to build credit

from Cardcruncher

The TOTAL Visa Unsecured Credit Card can help you to rebuild your credit, but it’s not the best way to do this for most people. Consider it if you absolutely can’t afford the security deposit for a secured credit card.

Read full review

The TOTAL Visa Unsecured Credit Card can help you to rebuild your credit, but it’s not the best way to do this for most people. Consider it if you absolutely can’t afford the security deposit for a secured credit card.

Read full review

Less

User Reviews


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