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: