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.
First, you must pay an $89 processing fee to open the account (most cards don’t have a processing fee). You’ll pay a $75 annual fee the first year, followed by a $48 annual fee for subsequent years.
There’s also a $6.95 monthly servicing fee after the first year, which comes to $75 per year.
Additional cards for authorized users will cost $29 each per year (another fee that most cards don’t have).
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’s exorbitantly expensive, especially compared to many cards which have no annual fees. For some better options check out our card picks for: