Total Visa® Credit Card

For People with
Bad Credit



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 a 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:

Card Quick Facts

Card Quick Facts

  • 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!

For People with
Bad Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



This card does not offer rewards.
Card Stats

Card Stats

Annual Fee See Terms*
Additional Cards Annual Fee See Terms*
Regular Purchase APR See Terms*
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 See Terms*
Returned Payment Fee See Terms*
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR See Terms*
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR See Terms*
Cash Advance Fee See Terms*

Card Benefits

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

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