Credit Cards (US)
TOTAL Visa® Card 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!
TOTAL Visa® Card: Regain control of your finances!
If you’re struggling to get a credit card because of your credit score, this TOTAL Visa® Card review could be helpful to you. This card is designed to assist people into improving their credit scores with good use.
The issuer reports all monthly payments to the credit bureaus, so using the TOTAL Visa® Card responsibly will help you increase your score over time.
So, if you want to know more information about this credit-building card, keep reading our post!
|Credit Score||Poor – Fair.|
|Annual Fee||$75 1st year, $48 after*.|
|Welcome bonus||There is no welcome bonus.|
|Rewards||There are no rewards offered by this credit card.|
*See rates, fees, costs & limitations for details.
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.
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TOTAL Visa® Card benefits
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!
- Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion®!
- 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.
- 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.
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!
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