Total Visa

The Total Visa Credit Card might offer the fresh start you’ve been searching for.

Credit Card

Total Visa

No security deposit required Low initial credit limit

Reports to all three credit bureaus

How to Apply You will remain on this website.

This card is specifically designed for people with less-than-perfect credit who need access to a real, unsecured credit line to rebuild their profile.

Unlike secured cards, the Total Visa doesn’t require a deposit to get started. Instead, it provides a modest credit limit that can help you make everyday purchases while reporting to all three major credit bureaus. This consistent reporting is what helps responsible cardholders begin rebuilding their credit scores over time.

It’s not about flashy perks or cashback, it’s about access. 

And for people with damaged or limited credit history, access is often the most important benefit of all. The Total Visa is a tool to help you get back on track, regain control of your finances, and build a future with more credit options.

Accessible Credit, Even with a Low Score

The Total Visa Credit Card offers a simple online application process with quick decisions. If approved, you’ll receive an unsecured credit line, often starting at around $300. 

There’s no need for a security deposit, and the card is accepted anywhere Visa is, making it useful for everyday spending.

It’s managed by The Bank of Missouri, a trusted issuer for subprime credit products. While there are several fees involved—including a program fee, annual fee, and monthly maintenance charge—what you get in return is access to credit that might otherwise be unavailable.

Pros and Cons

Pros

• No security deposit required
  
• Designed for poor or limited credit
  
• Reports to all three credit bureaus
  
• Fast online application and decision
  
• Accepted anywhere Visa is accepted
  

Cons

• High upfront and ongoing fees
  
• Low initial credit limit
  
• High APR on carried balances
  
• No rewards or cashback
  
• Fees reduce available credit at account opening
  

How do I know if the Total Visa Credit Card is the best credit card for me?

If you’ve been declined for other cards or don’t have the funds for a secured card deposit, the Total Visa Credit Card might be your best available option. It’s built for people in credit recovery mode who need a tool to prove their reliability again.

It’s not ideal for large purchases or long-term borrowing, but it’s highly effective when used for small, manageable expenses and paid off in full each month. The credit reporting alone makes it a powerful tool for rebuilding.

If you can manage the fees and plan to use the card strategically, Total Visa could be the bridge between where you are and where you want your credit to be.

Why do we like this card?

We like the Total Visa Credit Card because it’s honest about its purpose. It doesn’t try to compete with premium cards or lure users in with benefits it can’t deliver. Instead, it focuses on one thing: giving people with low credit scores a way back into the system.

We also appreciate how straightforward the application is and how quickly people can get started. In a market that often excludes those with bad credit, Total Visa opens the door—even if only a little—for a new financial chapter.

For people who’ve hit credit roadblocks, this card is less about perks and more about potential—and that’s what makes it valuable.