Credit Cards

Total Visa® Card full review

The Total Visa® Card can be an excellent option for those who need to build credit. So, keep reading our full review to know more about its benefits!

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by Victória Lourenço

10/08/2021 | Updated on 12/21/2021

Total Visa® Card

Check out our full review! Source: Total Visa® Card.
Check out our full review! Source: Total Visa® Card.

The Total Visa® Card is a good option for people with fair, poor, or limited credit.

Also, this card can help you improve your credit score. That is because it sends your monthly payment reports to all three major credit bureaus.

So, if you want to know more information about this credit-building card, keep reading our post!

Credit ScorePoor – Fair.
Annual Fee$75 1st year, $48 after*.
Regular APR34.99%*.
Welcome bonusThere is no welcome bonus.
RewardsThere are no rewards offered by this credit card.
*See rates, fees, costs & limitations for details.
Total Visa preto

How to apply for a Total Visa® Card?

Do you need a card that doesn't require a deposit and can help you build credit? Read more to know how to apply for the Total Visa® Card!

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How does the Total Visa® Card work?

Once you get your card application approved, you can enjoy the benefits of having a credit-building card.

In addition, the Total Visa® Card will send out your credit reports to all three major credit bureaus every month.

However, this card has some relatively high fees. So, before applying, be sure that you can afford them.

Total Visa® Card benefits

See how this credit-building card works. Source: Unsplash.
See how this credit-building card works. Source: Unsplash.

Now, it’s time to find out more about the pros and cons of this card. Check out below a list with the most important information!

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Pros

  • Checking Account Required.
  • Fast and easy application process; response provided in seconds.
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online.
  • Manageable monthly payments.
  • $300 credit limit (subject to available credit).
  • Reports monthly to all three major credit bureaus.

Cons

  • Even though this card lowers its annual fee after the first year of use, it is still relatively high.
  • There is an $89 program fee charged by this card. But you only have to pay it once.
  • If you need to increase your credit limit, you will have to pay a fee of 20% of the amount increased.

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Should you get a Total Visa® Card?

The Total Visa® Card is a great option if you need to improve your credit score.

However, if you cannot pay for its fees, maybe consider getting a different one. So, read their terms and conditions before applying for the card.

How good does your credit score need to be?

You can be approved with a poor to fair credit score. And even if you do not have a credit score, you can also apply for this card.

How to apply for a Total Visa® Card?

You can complete your credit card application process through the company’s website. You only need to provide some personal information. So, to know more details about how to apply, check out our post below!

Total Visa praia

How to apply for a Total Visa® Card?

Do you need a card that doesn't require a deposit and can help you build credit? Read more to know how to apply for the Total Visa® Card!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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