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.

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



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Card Details



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.

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