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.


by José Gonçalo

08/27/2022 | Updated on 03/21/2023

Total Visa® Card: start building (or rebuilding) your credit no matter your score

Total Visa® Card
Learn all about the Total Visa® Card Source: The Mad Capitalist

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

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 ScoreFair
Annual FeeSee terms
Regular APRSee terms
Welcome bonusNone

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.

Total Visa® Card features

woman with curly hair using card with a smartphone in her hand
Learn more about the card’s pros and cons. Source: Adobe Stock

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? 

  • Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion®
  • Checking Account Required
  • 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

And what are the drawbacks?

  • Very high APR;
  • After the first year of use, you will pay a monthly fee of $6.25;
  • To activate the card, it is necessary to make a payment of $89.00;
  • 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

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.

About the author

José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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