Reviews
Total Visa® Card full review: should you get it?
A complete review of the Total Visa® Card, a tool with everything you need to build your credit regardless of the score you have today.
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Total Visa® Card: start building (or rebuilding) your credit no matter your score

In fact, the lower your credit score, the more difficult it is to find a credit card. However, with the Total Visa® Card, you have the option to rebuild your credit even with a bad credit score.
Total Visa® Card: check out how to apply!
Apply for the Total Visa® Card, and you'll have a tool with everything you need to build your credit with a good starting credit limit.
Below, learn more about this card and how it can lead to higher scores.
| Credit Score | Fair/Bad Credit. |
| Annual Fee | $75.00 1st year, $48.00 after. |
| Regular APR | 35.99% on purchases and cash advances. |
| Welcome bonus | None. |
| Rewards | 1% cash back on payments made to your card. |
Total Visa® Card: learn more about this financial product
In fact, this is a card designed for a mission. That way, this one has everything you need to fulfill it. In effect, that mission is to build your credit.
For this purpose, this card issues a report to the three main credit agencies in the country. Plus, it doesn’t require a minimum credit score, let alone an impeccable track record.
Also, the result of your application will come out in seconds. According to the customers’ experience, the chances of approval are very high.
These features make this card an option for anyone who needs to build or rebuild credit. This is not a secured card. That way, you don’t have to worry about initial deposits.
The initial credit limit offered is $300. Not bad for a card designed for an audience with lower credit scores. So, in just one year, you can see this limit increase.
Finally, we are talking about a Visa credit card, accepted anywhere in the country.
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Total Visa® Card features

Now is the time to take a deeper look at this card. Below, learn about the main advantages and disadvantages that it offers to its customers:
What are the benefits?
- Earn 1% cash back rewards on payments made to your Total Credit Card.
- Checking Account Required.
- $300 credit limit (subject to available credit).
- No security deposit, simply pay a one-time $95 program fee to open your account.*
- User friendly Mobile App.
- *See Rates, Fees, Costs & Limitations for complete offer details.
- See Total Card Visa Rewards Programs Terms & Conditions for details.
And what are the drawbacks?
- Very high APR;
- After the first year of use, you will pay a monthly fee of $6.25;
- One-time program fee of $95;
- Every time you receive an increase in your credit limit, you must pay a 20% fee for the increased amount.
What credit score do you need to get the Total Visa® Card?
In fact, anyone can apply for a credit card as it is very difficult to be refused. There is no minimum score to apply for this card. However, we only recommend them to people with bad credit scores.
How does the Total Visa® Card application process work?
Thus, you can order from your home without having to go to an agency. To find out how the application process works and the basic criteria for application, check out our post below!
Total Visa® Card: check out how to apply!
Apply for the Total Visa® Card, and you'll have a tool with everything you need to build your credit with a good starting credit limit.
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