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...
- Ben Luthi, Matthew Klammer, The BalanceIf 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...
- John S Kiernan, WalletHubThe Total VISA® Credit Card is the opposite of the complete package, charging an arm and a leg for a small unsecured credit line.
- Meri Torres, SimpleMoneyLyfeIf you are looking for a credit card that is easy to qualify for and can help you build credit, then the Total VISA® Card is for you. The fees and APR may be higher than other cards, they are still manageable. It starts with financial discipline and paying off your credit card in full each month.
- Kat Tretina, InvestopediaWhile 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...
- Kailey Fralick, CardcruncherThe 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.
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 |
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 |
Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.
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.
The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.
Use this card?
Help inform others by sharing your experience with Total Visa® Card
