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?
To get this card, you must also:
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...
- Sarah Hostetler, TimeNo credit card comes without its foibles. Even the highest-rated cards tend to offer steep interest rates and annual fees. Still, the Total Visa credit card is different. It’s aggressively bad, with overtly predatory fees. To make matters worse, you get almost nothing in return. To be fair, the card...
- Grant Sabatier, Money CrashersThere are many better options than the Total Visa® credit card. Even if you have less-than-perfect credit or no money to put down on a secured credit card, there are many other options. Yes, you may pay an annual fee or have to make a security deposit, but you’ll typically get many more rewards look...
- John S Kiernan, WalletHubGetting the Total Visa Card is an expensive way to borrow a small amount of money when you have bad credit. While the card is easy to get, does not require a security deposit and gives 1% cash back, it charges both annual and monthly fees.
- Emily Sherman, CreditCards.comWhile the Total Visa doesn’t require a security deposit, cardholders will be buried in additional program fees.
- Chauncey Crail, ForbesThe 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.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate | 35.99% |
| Balance Transfer Interest Rate | |
| Cash Advance Interest Rate | 35.99% |
| 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 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 |
| Virtual Cards | 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 |
| Suggest a correction |
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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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