Total Visa® Credit Card


For People with
Bad Credit

REVIEWS

Reviews

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:

Card Quick Facts

Card Quick Facts

  • Requires a checking account
  • Reports to all three major credit bureaus
  • Purchase APR of 29.99% Fixed
  • $89 processing fee upon account approval
  • $6.95 monthly servicing fee after the first year
  • $75 annual fee the first year, then $48

For People with
Bad Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $75 for first year; then $48
Additional Cards Annual Fee $29
Regular Purchase APR 29.99% Fixed
Intro Purchase APR -
Foreign Transaction Fee N/A
Chip Technology None
Minimum Credit Limit $300
Maximum Credit Limit $300
Free Credit Score No
Penalty APR None
Late Fee Up to $38
Returned Payment Fee Up to $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 29.99% Fixed
Cash Advance Fee None for the first year; then 5%, $5 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review
1
2
3
4
5
Submit
     
Cancel

Create your own review

Average rating:  
 0 reviews

The Insider

Susan Shain
How to Set a Travel Notice for Your Credit Cards (Including Chase)
Susan Shain | Feb 21, 2019

Getting ready for a trip? Here's how to set a travel notice for credit cards from eight issuers, including step-by-step directions for Chase travel notices.

Read More
Susan Shain
How to Get TSA PreCheck Free: Try These 6 Credit Cards
Susan Shain | Feb 11, 2019

Want to get TSA PreCheck free? Here are six great credit cards that pay for your application fee — plus why you might want to opt for Global Entry instead.

Read More
Michelle Black
What Is a Credit Limit and How Does It Affect Your Credit Scores?
Michelle Black | Feb 08, 2019

Understanding how credit limits work and how they can impact your credit scores is an important part of being a smart credit card user.

Read More