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...
- Emily Sherman, CreditCards.comThe 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...
- 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.
- John S Kiernan, WalletHubThe 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...
- 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...
- 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...
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 |
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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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