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Total Visa® Unsecured Credit Card review

While this unsecured card can help you build credit, it has too many fees.

  • Get this card if you want to build your credit.
  • Pick something else if you don’t want to pay an annual fee.
  • Apply with a poor credit score of 300 or higher.
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$75

Annual fee

for the first year ($48 thereafter)

34.99%

Purchase APR (fixed)

300

Recommended credit score

Details

Annual fee$75 intro annual fee for the first year ($48 thereafter)
Welcome offerN/A
RewardsN/A
Purchase APR34.99% fixed
Balance transfer APRN/A
Minimum Credit Score300
Avatar

Review by


Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Total Visa® Unsecured Credit Card is a credit building card that doesn’t require a security deposit — a relative rarity for credit building cards. Unfortunately, the card also comes with a relatively high intro annual fee for the first year of $75 , an incredibly high APR of 34.99% fixed, and a host of other fees that make the card expensive to own.

On the positive side, the card reports your activity to all three major credit bureaus — Experian, TransUnion and Equifax, which can help you build your credit with responsible card use.

Overall, the Total Visa® Unsecured Credit Card could be an option if you have suffered financial difficulties in the past and want to build your credit with on-time payments and keeping your credit use low. Unfortunately, the many associated fees and high APR can severely hinder your credit-building efforts and outweigh the benefits of the card.

Total Visa® Unsecured Credit Card benefits

  • Reports to personal credit. Your card activity will be reported to the three major credit bureaus — Experian, TransUnion and Equifax. With responsible use, such as paying at least the minimum payment on time each month and keeping your balance low, you can build your credit and apply for a better card.

Total Visa® Unsecured Credit Card drawbacks

  • High APR. If you make a late payment, you’ll pay a fee and incur a fixed APR of 34.99%, which is significantly higher than most cards for building credit.
  • Annual fee. The card comes with a $75 intro annual fee for the first year and $48 after that. In addition, you’ll pay a monthly servicing fee of $6.25 after the first year. This will bring your total annual fee to $123 from the second year onward. Note that you can find other credit-building options with no annual fee at all.
  • Many fees. Aside from an annual fee and the monthly servicing fee, you’ll pay:
    • One-time program fee of $89
    • Late payment fee and returned payment fee of up to $40
    • Additional card fee of $29 annually
    • Credit line increase fee of 20% of the amount increased
    • Express delivery fee of $35 if you want to get the card faster
    • Copying fee of $3 per page if you want additional copies of your monthly statement or other documents

Compare unsecured cards for building credit

If you’re looking for an unsecured card to build credit, some options are:

Name Product Filter values Minimum deposit required Purchase APR Annual fee Minimum Credit Score
Tomo Credit Card
N/A
N/A
$0
New to credit
A credit-building card with no fees, no APR, and no credit check.
Credit One Bank® Platinum Visa®
N/A
23.99% variable
$39
Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services.
PCB Secured Visa®
Starting at $200
18.9% fixed
$39
300
Choose your initial deposit amount and credit limit from $200 to $1000. Rates & fees
loading

Compare up to 4 providers

Bottom line

The Total Visa® Unsecured Credit Card may seem like a good choice if you’re struggling financially and looking for an unsecured card to build your credit. However, the high associated fees cancel out many of the card’s potential benefits. Check out other unsecured credit cards to find less expensive options. But if you’re willing to make an upfront deposit of $300 or more, a secured credit card could be a cheaper credit-building option.

Frequently asked questions

Is a secured card or an unsecured card better for building credit?
Both types of cards could do the job. However, secured cards often have lower fees and a lower APR since you already put a deposit down to act as your credit line and as collateral.

Can I use the Total Visa card outside of the US?
No. You also cannot use the card to make purchases in foreign currency.

What is the minimum credit line I can receive?
You can get a minimum credit line of $300. However, your initial available credit line will be $225 until you’ve paid the first-year annual fee of $75.

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14 Comments

    Default Gravatar
    Rick
    March 2, 2019

    I’ve had my Total Visa card for over a month and they have not reported to the credit bureaus. Does anyone know how long it will take for them to report my new credit limit and payment history?

      Avatarfinder Customer Care
      Charisse
      March 5, 2019

      Hi Rick,

      Thanks for reaching out to Finder.

      Upon checking, Total Visa reports monthly to all three major credit bureaus. If it has been more than a month now, you can contact them directly so they can assist you further on this.

      I hope this helps.

      Cheers,
      Charisse

    Default Gravatar
    Shannon
    December 8, 2018

    How can I increase the Credit Limit of my Total Visa Credit Card?

      Default Gravatar
      Ash
      December 12, 2018

      Hi Shannon,

      Thank you for contacting finder.

      To increase the Credit Limit of your Total Visa, you may request it directly to them by calling or emailing them through their “Contact Us” page on their website. Before sending them a Credit Limit Increase request, you must meet the following requirements:

      *your account must be open for at least 6 months or billing cycles
      *no late payment or past due for the past 6 months/ billing cycles
      *no over limit for the past 6 months/ billing cycles

      I hope this helps.

      Please do not hesitate to reach out again if you need additional assistance.

      Cheers,
      Ash

    Default Gravatar
    coleen
    October 8, 2018

    I have a balance of $147. Can i use it?

      Default Gravatar
      nikkiangco
      October 9, 2018

      Hi Coleen!

      Thanks for your inquiry and for visiting finder.

      Yes, you can use the balance towards your purchases or needs. Please note though to make timely payment on the card on or before the due date to avoid any fees on the card.

      Hope this helps. For any clarifications, feel free to message us again.

      Regards,
      Nikki

    Default Gravatar
    Kelly
    September 1, 2018

    It says interest begins 21 days after a purchase is made. So is the 29.99% interest charged daily or how does that work? I bought $70 worth today. I plan to pay it off 27 days from today. So what will I pay in interest?

      Avatarfinder Customer Care
      Anndy
      September 1, 2018

      Hi Kelly,

      Thanks for your question.

      With Total Visa, you will not incur interest on new purchases if you pay your entire balance by the due date each month. Your due date will be a minimum of 21 days after the close of each billing cycle.

      If you will pay off your purchase on the 27th day, you will incur interest based on the average daily balance of your purchases. The average daily balance is computed by adding your daily balances for purchases in a given billing cycle and dividing the total by the number of days in the billing cycle. The resulting amount will then be multiplied by 2.4992% (annual interest rate of 29.99% divided by 12 months).

      You may consider contacting Total directly if you want to get an estimate on how much interest you’ll possibly pay for your $70 purchase.

      I hope this helps.

      Cheers,
      Anndy

    Default Gravatar
    Kp
    June 30, 2018

    How long does it take to actually receive the card? I summited everything 6/19 and received an email 6/20 saying my funds went through and that was the last message. it’s almost July and I’m starting to get nervous and frustrated.

      Default Gravatar
      joelmarcelo
      June 30, 2018

      Hi Kiera,

      Thanks for leaving a question on finder.

      Banks will say 7-10 days to be safe but it is usually 3-5 business days upon approval. To be sure on this, I suggest you give them a call to see what could be causing the delay.

      Cheers,
      Joel

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