The Total Visa Credit Card is a no-nonsense financial tool for people who need a second chance.
It’s not trying to be your forever card. Instead, it’s designed to help you rebuild your credit score, manage a small line of credit, and work your way toward better financial products in the future.
It’s issued by The Bank of Missouri and targets people with poor, fair, or no credit. While it does come with some upfront and ongoing fees, the value lies in accessibility. If other issuers have turned you down, Total Visa might be the one that says yes.
With quick approval, credit bureau reporting, and no deposit requirement, it provides a way forward for those who’ve been stuck in place.
The card also provides access to online account tools and mobile app management, so you can check your balance, pay bills, and monitor usage anytime. These features are essential for rebuilding your financial habits and avoiding mistakes.
It’s not the cheapest option—but for many, it’s the first realistic step toward credit recovery.
Total Visa
No security deposit required Low initial credit limitHow does the Total Visa Credit Card work?
Once approved, you’ll receive an unsecured credit limit—usually around $300. This amount can be used for purchases anywhere Visa is accepted. However, it’s important to understand that several fees will be deducted from that limit immediately, reducing your available credit at the start.
What sets the Total Visa apart is that it doesn’t require a deposit. Most people looking to rebuild are directed to secured cards, which tie up hundreds of dollars. This card skips that step but compensates for the risk with fees and a high APR.
Your usage and payments are reported to all three major credit bureaus, which means responsible management can gradually boost your credit score. The card is managed online, with tools available for balance tracking, payment reminders, and spending alerts.
Main benefits for the Total Visa Credit Card
The biggest benefit is that it’s accessible. If you’ve been denied by other issuers due to credit issues, this card still gives you a chance. The application doesn’t require perfect credit, and approval can happen within minutes of submitting your form.
Another advantage is the lack of a security deposit, which makes it easier to get started. For people who don’t have $200 or $300 available for a secured card, this makes all the difference.It’s also a real Visa card, not a prepaid or store card.
That means it’s accepted anywhere Visa is, allowing you to use it for everyday purchases or emergencies while building your credit profile through responsible use.
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Cons for the Total Visa Credit Card
The major drawback is the fee structure. You’ll pay a program fee to open the account, an annual fee, and, after the first year, a monthly maintenance fee. These charges reduce your available credit and make the card more expensive than many alternatives.
The APR is also high, typically around 34.99%, which makes carrying a balance very costly. This card is best used by people who plan to pay in full each month.
And unlike many modern cards, the Total Visa offers no rewards or perks. There’s no cashback, no welcome bonus, and no travel benefits. It’s purely functional.
APR and Fees: What You Should Know
When you open a Total Visa Credit Card, you’ll first pay a program fee of $89, which must be submitted before the card is issued. Once activated, there’s an annual fee of $75 for the first year (and $48 after that), plus a monthly fee of $6.25 that starts after the first year.
The APR for purchases is 34.99%, which is well above average. This makes it critical to pay your balance in full each month if you want to avoid costly interest charges.
There are also fees for late payments, returned payments, and even credit limit increases. While the terms are clearly disclosed, it’s important to read them closely and plan accordingly to avoid unnecessary charges.
How to Apply for the Total Visa Credit Card
- Visit the official Total Visa website
- Click “Apply Now” and complete the secure online application
- Submit your name, address, income, and other basic financial details
- If approved, pay the $89 program fee to activate your card
- Receive your card by mail and begin using it to rebuild your credit
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