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Total Visa® Credit Card

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Our rating
Min. credit level: Bad
Annual Fee: See Terms
Regular APR: See Terms

Total Visa® Credit Card

Our rating
Bad Min. credit level
See Terms Annual Fee
Apply Now

Highlights & Features

(Rates & Fees)

Balance Transfers

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

Intro Balance Transfer APR N/A
Regular Balance Transfer APR See Terms
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee See Terms
Returned Payment Fee See Terms
Additional Cards Annual Fee See Terms
Foreign Transaction Fee See Terms
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your 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
How to Get a Cash Advance with a Credit Card
Total Visa® Credit Card


(Rates & Fees)
  • 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
  • $300 credit limit (subject to available credit).
  • Reports monthly to all three major credit bureaus
  • Multiple card designs available
  • Rebuilding credit depends on factors like making on-time payments, keeping balance below credit limit and paying at least the minimum monthly payment.
  • Offer not guaranteed; response provided in seconds.
  • See rates, fees, costs and limitations for additional details.

Bank of Missouri

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The Total Visa Credit Card is a subprime credit card, designed for people with bad credit 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:

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