Total VISA® Credit Card Review: Is It Worth It?

Total Visa Credit Card Review
The Total VISA® Credit Card is a card designed for people with bad credit. Use it wisely and you certainly can positively build back up your credit score. However, it comes with high fees and a high interest rate.
  • Annual Fee:
    $75 for the first year and $48 for every year after that
  • Regular APR:
    See Terms
  • Recommended Credit Score:
    300 to 579

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The Total VISA® Credit Card is an unsecured credit card perfect for those with bad or nonexistent credit.

Unlike some other credit cards, this card does not require you to put up a large security deposit. Instead, all cardholders are given an initial credit limit that they can use freely.

While you use the card and pay off the outstanding amount, your credit will be reported to the major credit bureaus, which helps you build credit responsibly.

Total VISA® Credit Card Pros and Cons

Pros:

  • No large down payment is required.
  • Reports to all Three Major Credit Bureaus
  • Accepted Nationwide due to its partnership with Visa.

Cons:

  • The initial credit limit is $300
  • Lots of fees which can add up – annual fee, program fee, late fee, and monthly fee.
  • Very high APR of 34.99%, which can cause issues if not paid each month.
  • No rewards program is offered for purchases.
  • It’s limited in where you can use it – it cannot be used for travel outside of the USA and cannot be used at fuel pumps.

What Is the Total VISA® Credit Card?

The Total VISA® Card is a credit card designed for people with low credit scores or no credit history. By making purchases on the card and repaying in full each month, you will build credit responsibly. Moreover, the credit card is accepted nationwide, which is always a plus.

How Does the Total VISA® Credit Card Work?

The Total VISA® Credit Card works just like any other unsecured credit card. The company provides credit to the user and charges interest on any amount spent if not paid in full each month.

The only difference is that the credit limit is quite low, to begin with (only $300), and there are a few extra fees you need to watch out for.

Total VISA® Credit Card Review

  • Annual Fee: $75 for the first year and $48 for every year after that
  • Regular APR: 34.99% Fixed
  • Recommended Credit Score: You will be eligible for the Total VISA® Credit Card with a low credit score. You can also apply if you do not have a credit history.
  • Rewards: The Total VISA® Credit Card offers no rewards.

Total VISA® Credit Card Features and Benefits

Helps You Build Credit

The best feature of the Total VISA® Credit Card is that it reports to all three major credit bureaus, which is what allows you to build your credit score.

As long as you pay off the minimum and don’t accrue interest on the card, then your credit score will climb up over time.

Easy to Qualify For

You do not need a good credit score or a long credit history to qualify for the Total VISA® Credit Card. These two variables are the main obstacle for most people to get an unsecured credit card.

The only other requirements are legal age (18+), a government-issued ID, a social security number, and a checking account.

Monthly Credit-Bureau Reporting

The Total VISA® Credit Card sends monthly reports to the three credit bureaus (Experian, Equifax, and TransUnion). This single action is what allows you to build credit.

Easy Online Application

Application for the Total Visa card is easy – simply go online to the Total Visa website, enter in your information, and you will get a response in no time.

How Does the Total VISA® Credit Card Compare to Other Cards?

There are two main types of credit cards – secured and unsecured. Both have pros and cons and can help you build credit responsibly and (potentially) fix your credit score.

The Total VISA® Credit Card is an unsecured card that is beneficial for those with bad credit; however, it isn’t the only card on the market. Let’s see how it stacks up.

#1. Total VISA® Credit Card vs. Secured Mastercard® from Capital One®

The main difference between the Total VISA® Credit Card and the Secured Mastercard® from Capital One® is that the Capital One Card is secured. This means you are required to pay a security deposit upfront, which becomes your initial credit limit.

There are no annual fees for the Secured Mastercard® from Capital One®, and the APR is a tad bit lower. All in all, it is also a great card to build and repair credit.

#2.Total VISA® Credit Card vs. Citi® Secured Mastercard®

The Citi® Secured Mastercard® is a secured credit card. While there are no annual fees and the APR is lower at 22.49%, you will have to pay a security deposit.

There are no rewards or cashback offered, and like the Total VISA® card, it will actively help you build your credit score up with on-time payments.

#3.Total VISA® Credit Card vs. Discover it® Secured Credit Card

The Discover it® Secured Credit Card is quite different from the Total VISA® card. It is a secured card for starters, so it requires a security deposit, and it has no annual fees.

Unlike many secured cards, it actually offers cashback – 2% for gas and restaurants and 1% everywhere else. It also has a much lower APR of 22.99%.

#4. Total VISA® Credit Card vs. Upgrade Visa® Card

Upgrade has a range of different credit cards depending on what your goals are. The Upgrade Visa® Card is perfect for those looking to increase their credit score, although they don’t accept everyone. The recommended credit score is around 580.

That said, the Upgrade Visa® Card is a hybrid mix between a personal loan and a credit card. There is no annual fee, the APR is only 29.99%, and it offers 1.5% cashback on payments.

Frequently Asked Questions

Is the Total VISA® Credit CardLegit?

The Total VISA® Credit Card is a legit Visa card that is designed for people with no or bad credit. It is an unsecured credit card and is used by millions of Americans nationwide.

How Much is the Total VISA® Credit Card Annual Fee?

The annual fee for the Total VISA® Credit Card is $75 for the first year and $48 for every year after that.

What Credit Score Do You Need for the Total VISA® Credit Card?

You can apply for the Total VISA® Credit Card if you have a poor credit score or lack credit history. These features are largely the reason why the card has attracted a legion of fans and monthly users.

Is the Total VISA® Credit Card Worth It?

If you want to build your credit score and are confident that you can keep your spending under control, then the Total VISA® card is worth it. With on-time monthly payments, you will increase your credit score. Moreover, this card is a great stepping stone. Once your score increases, you can easily qualify for a card with lucrative rewards like the Capital One Quicksilver Cash Rewards, Chase Sapphire Reserve®, or the Citi® Double Cash Card.

Bottom Line: Total VISA® Credit Card Review

If you are looking for a credit card that is easy to qualify for and can help you build credit, then the Total VISA® Card is for you.

The fees and APR may be higher than other cards, they are still manageable. It starts with financial discipline and paying off your credit card in full each month.

Meri Torres
Meri Torres

Meri B Torres is a former SimpleMoneyLyfe Writer with several years of experience and a deep business background. Holding a bachelors degree and MBA from New York University, Meri loves helping consumers make simple financial decisions and understanding the complex world of finance. Her areas of expertise are personal loans and credit cards.