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Total Visa® Card

Total Visa® Card review

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Informr score
The Total Visa® Card currently has an Informr score of 3.5 out of 10. This score is based on our evaluation of 8 sources including reviews from users and the web's most trusted critics.

What's good

  • 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

What's bad

  • More expensive than a secured card in the long run
  • Limited on how you can use it
  • Low credit limit
  • Annual Fee
  • High APR for purchases
  • No rewards
  • No signup bonus

Am I eligible?

Total Visa® 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...

The Total Visa does offer some benefits to those with bad to fair credit looking to improve their credit, 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 perk...

- Emily Sherman,

The Total Visa® Credit Card* is in the running for the worst credit card we’ve ever reviewed. We do not recommend anyone apply for this card. Though you may feel you have few options if your credit is dismal, it’s unlikely that this is your only option.

- Chauncey Crail, Forbes

The Total Visa® Card an expensive credit card for people with bad credit who want to borrow a small amount of money without placing a security deposit. Newly approved applicants have to pay an $89 program fee just to open a Total VISA® Credit Card account, and then there is a $75 membership fee the...

- John S Kiernan, WalletHub
The Balance
The Balance

If you have bad credit and can’t afford a security deposit, the Total Visa Credit Card’s unsecured nature can be appealing, and it can help you build your credit history. Rebuilding credit depends on factors like making on-time payments, keeping balance below credit limit and paying at least the min...

- Ben Luthi, Matthew Klammer, The Balance

While the Total Visa Credit Card can give you access to an unsecured credit card even if you have poor credit, its multiple fees make it a very expensive option. Because those fees are non-refundable, you’re likely better off with a secured credit card. Over time, you can improve your credit and qua...

- Kat Tretina, Investopedia


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 3%

- Minimum of $10

- None for first year (introductory).

Foreign Transaction Fee
Over Limit Fee
Late Payment Fee $41.00


Sign up bonus No
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
Virtual Cards No
Additional Benefits

- Monthly reporting to all three credit bureaus

- Choose your custom card design for free

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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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