Total VISA Unsecured Credit Card Review

Kelly Hernandez
A closeup of the corner of a credit card shows the Visa logo.
  • APR: 34.99%
  • Purchase Intro APR: None
  • Rewards: None
  • Annual Fee: $75 for the first year then $48
  • Monthly Fee: $0 for the first year, then $6.25
  • Credit Score: Poor to Fair (300-590)
  • Compare cards here.

VISA is a major credit company and one of the most widely accepted by retailers. This popular credit card provider offers several types of cards to consumers based on their qualifications and needs. Before you choose the credit card that’s right for you, it’s important to consider your financial situation and goals, as well as the pros and cons of the card.

Table of Contents

What Is a Total VISA Credit Card?

The Total VISA credit card is designed to assist cardholders in increasing their credit score and improving their credit history. The card works like a credit card but emphasizes building positive financial habits by reporting activity to all three credit bureaus. Before applying for a Total VISA credit card, it’s important to understand the card’s features, including rewards, fees, and required credit score.


Some credit cards allow account holders to earn cash, credits toward statement balances, or other types of rewards when they spend using the credit card. However, the Total VISA credit card isn’t associated with a rewards program.

The card is designed to assist consumers in improving their credit score. Therefore, in lieu of a rewards program, the company reports the account holder’s activity to all three major credit bureaus in an effort to improve their creditworthiness.


When you’re approved for the Total VISA credit card, you must pay a one-time $89 program fee before enrollment. The card charges a $75 annual fee for the first year and $48 for every year after. For your first year, you won’t owe a monthly servicing fee, but after your introductory year, you’re responsible for a $75 annual servicing fee, which equates to about $6.25 per month.

Cash advance fees are waived for your first year but cost $10 or 3% of the total advance, whichever is greater, after that year. If you make a late payment or your payment is returned, you must pay a $40 fee. The annual percentage rate (APR) for purchases and cash advances is 34.99%.

Secured Credit Cards

Required Credit

VISA doesn’t disclose the specific credit score that qualifies you for the Total VISA credit card. However, the card is designed for consumers with low credit scores so the company is likely to approve consumers with unfavorable scores. To qualify for the VISA Total credit card, you must have an active checking account.

Total VISA Credit Card Pros

Consumers who are working on building their credit may find the Total VISA a good choice because the company reports their actions to all three credit bureaus. If you’re being a responsible account holder and your positive actions are reported to all three bureaus, your credit score is likely to improve.

Most credit cards that are focused on building consumer credit require applicants to provide a deposit before they’re approved for the card. This deposit is generally the same amount as their credit limit and isn’t returned to them until they close the card.

However, the Total VISA credit card doesn’t require a deposit from applicants. If you’re strapped for cash but need a credit card to help improve your credit, the Total VISA credit card may be the right choice for you.

Total VISA Credit Card Cons

Before you apply for a Total VISA credit card, it’s important to learn more about the credit card, including its disadvantages. The card has a low credit limit and the most you can qualify for is a $300 credit limit. This is lower than several secured credit cards, so it’s not ideal if you want to make big purchases.

While the Total VISA credit card doesn’t require a deposit, it’s associated with numerous fees, including an annual fee and monthly servicing fee. It also includes a high interest rate at 36.99%, so it’s not the ideal card if you don’t plan to pay off your balance every month. You also can’t use the card outside of the U.S. If you’re a frequent international traveler, it may not be the right fit for you.

How to Apply for the Total VISA Card

To apply for this credit card, you must have a valid checking account and be ready to pay the $89 program fee. You can use the online application to begin the process.

Provide your information and confirm you’re a U.S. citizen and at least 18 years of age. Once you’ve completed and submitted your online application, you’re provided with details on the card’s terms and conditions. Upon approval, you must provide the program fee and your card is mailed to you.

VISA is a well-known credit card company so the Total VISA credit card is widely accepted by merchants throughout the country. While it focuses on helping to improve your credit, it’s important to review the card’s fees and terms before applying.

Compare similar credit cards and learn more here.

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