Skip to content

Total Visa® Credit Card

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

Our rating
Credit range: Bad
Annual Fee: See Terms*
Regular APR: See Terms*

Total Visa® Credit Card

Our rating
Bad Credit range
See Terms* Annual Fee
Apply Now

Highlights & Features

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR None
Regular Balance Transfer APR See Terms*
Balance Transfer Fee None


Penalty APR None
Late Fee See Terms*
Returned Payment Fee See Terms*
Additional Cards Annual Fee See Terms*
Foreign Transaction Fee N/A

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR: See Terms*
  • Cash Advance Fee: See Terms*

Bank of Missouri

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Speak to Customer Service


Total Visa® Credit Card


  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa® card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Program Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!

The Total Visa Credit Card is a subprime credit card, designed for people with bad credit scores or limited credit. It does not require a credit check to apply.

It offers no rewards but has very high fees, to help mitigate the risk of doing business with people who have poor credit.

The fees can vary, so we don’t have specific fees listed on this page, but you can find the up-to-date fees by reading the current terms of the offer after clicking Apply Now.

First, you may have to pay a program fee to open the account (most other cards don’t have this kind of fee). You may also have to pay an annual fee.

There may also be a monthly servicing fee after the first year.

Additional cards for authorized users may also have an annual fee each year.

This card can’t be used outside the United States, or for any purchases in foreign currency.

We don’t recommend using the Total Visa card because there are many other less expensive cards you can use to help build your credit. It can be exorbitantly expensive, especially compared to many cards, which have no annual fees.  For some better options check out our card picks for: