Advertiser Disclosure Editorial Disclosure

Total Visa® Unsecured Credit Card

Total Visa® Unsecured Credit Card

Reports Monthly to All Three Major Credit Bureaus

Total Visa® Unsecured Credit Card
  • Regular Purchase APR See Terms
  • Cash Advance APR See Terms
  • Annual Fee See Terms
  • Credit Needed Fair , Poor
  • Processing Network Visa
Best Benefits
  • 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
  • $300 credit limit (Subject to available credit)
  • Select your favorite card design from our gallery, for free!
Rates & Fees
  • Regular Purchase APR: See Terms
  • Cash Advance APR: See Terms
  • Cash Advance Transaction Fee: See Terms
  • Annual Fee: See Terms
  • Late Payment Penalty Fee: See Terms
  • Return Payment Penalty Fee: See Terms
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

At a Glance

With the Total Visa Unsecured Credit Card, you can begin to tackle your credit improvement goals no matter what your financial profile currently looks like. This Bank of Missouri card reports your activity to TransUnion, Equifax, and Experian for a threefold approach to credit improvement. Not only that, but you’ll also gain access to a $300 credit limit with no deposit required, and no restrictions on where you can use the card.

Ideal for Those Who:

  • Have a bad credit score
  • Want a credit card that will report to all three major credit bureaus
  • Don’t mind paying the startup and annual fees to improve their credit
  • Already have a checking account to complete the application

Total Visa® Unsecured Credit Card Review

If you’ve been struggling to get approved for a credit card due to poor credit, the Total Visa Credit Card could be the solution. The easy online application offers a rapid response, meaning you can access a new credit line without a long wait.

More importantly, your activity gets reported to not one, but all three major credit bureaus. This can give you a major boost as long as you can navigate the necessary account fees. All you’ll need is a checking account and a bit of personal information to get started.

Perfect Credit Not Required

Regardless of what your credit looks like, you’ll get an initial credit limit of $300 once approved. That’s a great jumping-off point, considering it doesn’t require a security deposit like a secured credit card would.

After a year, Bank of Missouri (the card issuer) can consider you for a credit limit increase. However, each increase comes with a credit limit increase fee, which is a percentage of the increase. This isn’t unheard of in credit-building cards, and you can always decline an increase to avoid the additional fee.

Can My Total Visa Unsecured Credit Card Boost My Credit?

This card is one of the few that expressly commits to reporting to all three credit bureaus. In no time you could begin to see improvements in your ExperianTransUnion, and Equifax credit reports with this card.

However, one of the caveats of a card meant for improving credit is often a high-interest rate – and the Total Visa Card is no exception. Issuers typically employ high APRs for these types of cards in order to reduce their lending risk, which in turn gives borrowers with imperfect credit the opportunity to turn it around. This may seem like a deterrent, but in reality, the high fees can only affect you if you carry a balance.

For that reason, you would need to pay your bills on time each month in order to see the biggest benefits Make sure to keep TotalCardVisa.com bookmarked and use it to check your account balance regularly. If you do need to carry a balance, ideally you would rely on other cards and use this offer strictly for credit improvement. For instance, you might use the Total Visa strictly for gas expenses and pay each statement in full to gradually increase your credit.

Credit Repair Tips for People with Bad Credit

Beyond paying the statement balance in full each month, there are several other ways to use the Total Visa to build a positive credit history.

Always check your credit report to ensure there are no inaccuracies. Everyone receives at least one free credit report check each year from the major credit bureaus, so be sure to take advantage of this once per year *at least).

Keep your credit utilization low by only using cards like the Total Visa for small purchases. Your credit use makes up 5% of a FICO Score. Keeping credit use below 30% will help maintain good credit, but keeping it below 10% will help raise it.

Total Visa Setup, Annual, and Servicing Fees

Upon approval for the card, you’ll need to pay a one-time program fee to open your account. Bank of Missouri also automatically charges an annual fee to your card for the first year. This will bring your initial credit line down, but only until you make your first Total Visa card payment.

Each year thereafter, you’ll pay a lower annual fee, along with a monthly account servicing fee. All this adds up, although the total amount is slightly lower for each subsequent year the account remains open.

Not many card offers, even for top cash back rewards cards, require payment of a program and servicing fee on top of an annual fee. This is something to take into consideration when weighing the benefits of this card for your wallet.

Should You Apply for the Total Visa® Unsecured Credit Card?

If you want a credit-building card that doesn’t require you to tie up your funds in a security deposit, this could be it. The Total Visa Credit Card automatically sets you up with a decent credit limit so you can hit the ground running. Moreover, its quick application response ensures you won’t have long to wait before you can take the first steps towards better credit.

Of course, you’ll need to be prepared to handle the upfront and recurring costs of the card to maximize the benefits. It’s not a card necessarily built for carrying balances, so you’ll want to have the right payment strategy in mind to wield this tool effectively. This means monitoring your credit utilization and making your payments on time and in full. Otherwise, you might prefer a card that requires a little less financial discipline. Overall, the Total Card is one of the best credit cards for a credit score in the 600s and a great choice to consider.

FAQS About the Total Visa Card

Here are some answers to common questions about the Total Visa Unsecured Card:

What bank is Total Visa?

The Total Visa Card is issued through the Bank of Missouri.

Is there a Total Visa secured credit card?

No. Total and the Bank of Missouri do not offer a Total Secured Visa, just the Total Unsecured Visa.

Is the Total Card a good credit card?

The best way to judge any credit card is through consumer reviews. Total Visa Card reviews from consumers are very positive about the card, with many calling it one of the best credit cards for fair credit, for bad credit, and for rebuilding your credit score in general.

Other Cards to Consider

Read the First Digital NextGen Mastercard® Review

The First Digital NextGen Mastercard® is a sleek and straightforward credit card for people with bad credit scores. NextGen receives its name from its streamlines – and easy – application process, creating a new way to look at repairing damaged credit.  Start with a respectable, $300 credit limit, and work your way towards a credit line increase with on-time payments and financial responsibility.

Why Choose the First Digital NextGen Card?

  • Fixed-rate APR makes understanding your credit card statement easier
  • Chance at a credit limit increase with financially responsible card use
  • Easy application process and quick decisions
  • Modest annual fee (even lower after year one)

First Digital NextGen Mastercard® Credit Card

Online Customer Center Available 24 x 7

First Digital NextGen Mastercard® Credit Card
  • Regular Purchase APR See terms*
  • Cash Advance APR See terms*
  • Annual Fee See terms*
  • Credit Needed Fair
  • Processing Network Mastercard
Best Benefits
  • Build up your Credit with a card that reports to all three major credit bureaus every month
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application – it just takes moments to apply
  • You may be eligible for a Credit Line Increase after six months
Rates & Fees
  • Regular Purchase APR: See terms*
  • Cash Advance APR: See terms*
  • Cash Advance Transaction Fee: See Terms*
  • Annual Fee: See terms*
  • Foreign Transaction Fee: See Terms*
  • Late Payment Penalty Fee: See Terms*
  • Return Payment Penalty Fee: See Terms*

Read the First Access Solid Black VISA® Credit Card Review

The First Access Solid Black is a sleek-looking Visa card designed for those with bad credit or no credit history at all. The card regularly reports to all the major credit bureaus making it a great way to quickly rebuild credit.

Why Choose the First Access Solid Black Visa?

  • Visa is accepted at more merchants worldwide than Mastercard
  • Doesn’t require reservation code
  • Quick application process
  • Fixed-rate APR

First Access Solid Black VISA® Credit Card

Raise Credit with Monthly Activity Reporting

First Access Solid Black VISA® Credit Card
  • Regular Purchase APR See Terms
  • Cash Advance APR See Terms
  • Annual Fee See Terms
  • Credit Needed Fair , Poor
  • Processing Network Visa
Best Benefits
  • Reporting monthly to all three major credit reporting agencies
  • All credit histories considered for this no security deposit credit card
  • Perfect credit not required for approval; we may approve you when others won't
  • Easy and secure online application
  • Get the security and convenience of a full-featured, unsecured Visa® credit card - accepted at millions of merchant and ATM locations nationwide and online
  • $300 credit limit (subject to available credit)
Rates & Fees
  • Regular Purchase APR: See Terms
  • Cash Advance APR: See Terms
  • Cash Advance Transaction Fee: See Terms
  • Annual Fee: See Terms
  • Late Payment Penalty Fee: See Terms
  • Return Payment Penalty Fee: See Terms
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -