Total Visa Credit Card Review |
Total Visa Card® Review

Total Visa® Credit Card review

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If you have low or limited credit, look into the Total Visa® Credit Card — an unsecured card that reports to three major credit bureaus.

Having fair to poor credit can put a wrench in anyone’s plans. It can make it difficult to enjoy life to the fullest, but it also affects your ability to pay for the expenses that come with renting a home or buying a car.

The Total Visa® Credit Card is not only a solid way to have a little money available for emergencies or other unforeseen expenses, but it also reports to all credit reporting agencies. Just be aware of terms and conditions that come with this card to avoid tripping up on annual fees and high interest rates.

Product details

  • APR for purchases (purchase rate). 29.99%
  • Processing fee. $89 (one-time fee)
  • Annual fee. $75 the first year; $48 each year after
  • Monthly servicing fee. $0 the first year; $6.25 a month (or $75 a year) after
  • Cash advance rate. 29.99%
  • Cash advance fee. $5 or 5% of the amount, whichever is greater
  • Card type. Full-feature, unsecured
  • Maximum credit limit. $300
  • Late payment fee. $37 ($15 for Iowa residents)
  • Returned payment fee. $37 ($15 for Iowa residents)
  • Minimum interest. 5%

What are the benefits of the Total Visa® Credit Card?

Easy approval makes the Total Visa® Credit Card ideal for young people looking for an unsecured card that regularly reports to all three major credit bureaus. Other benefits include:

  • High likelihood of approval. The card is available to people with limited or poor credit.
  • Simple application. Complete the online form to find out if you’re approved in seconds.
  • Difficult to overspend. With a credit limit of $300, you can take care with your credit.
  • Full-feature card. Use it anywhere in the United States that accepts Visa.

Too good to be true?

It’s easier to qualify for it, but the Total Visa® Credit Card is not without its drawbacks. If you do not pay off your purchases or cash advances immediately, you could end up accruing large amounts of interest.

  • High interest rates. With a purchase and cash advance rate of 29.99%, you’ll want to fully pay off debt as quickly as possible.
  • High processing fee. On approval, prepare to pay an $89 processing fee before you can begin using your card.
  • Monthly servicing fee. While your monthly fees are waived in the first year, you’ll pay $6.25 every month thereafter (or $75 a year).
  • Low credit limit. An initial credit limit of $300 won’t send you on that dream vacation, and you can’t request an increase until you’ve had the card for six billing cycles.
  • Annual fees. Cardholders pay a high annual fee of $75 for the first year and $48 a year from then on.

Am I eligible? Tips to get approved

There’s no sense in wasting time applying for a credit card that you are not likely to get. With honesty about your income and other debts when applying, you stand a good chance of being approved for the Total Visa® Credit Card. Just make sure that you have a checking account first.

To apply for the Total Visa® Credit Card:

  1. Visit the Total Visa® Credit Card site.
  2. Enter your name and contact information, answer whether you have a checking account and click “Continue.”
    Total Visa® Credit Card Application Screenshot
  3. Enter your date of birth, Social Security number, employer’s name and phone number, and monthly income and expenses. Indicate whether you have a prepaid credit card, a savings account or a debit or credit card, and then answer questions about past due credit card accounts, whether you intend to use the card for cash advances and if you want to add a cardholder. Click “Continue.”
  4. Read and click that you accept the terms of conditions. Select whether you prefer electronic billing or a mailed bill, and then “Click here to sign and submit.”
  5. Wait 60 seconds to see if you are approved.

I got the card. Now what?

Before you start spending, there are a few things you should know.

  • Carefully note your balance. To avoid overlimit charges, stay within your $300 limit.
  • Escape high interest payments. Purchases begin accruing 29.99% interest 21 days after they are made, so pay them off as soon as you can.
  • Avoid cash advances. Immediately after paying the greater of $5 or 5% of your cash advance amount, your full amount will begin accruing interest at 29.99%. It’s best to avoid cash advances altogether.

Bottom line

If you’re looking for an unsecured card that reports to all three credit reporting bureaus, the Total Visa® Credit Card could be for you. But consider the annual and monthly fees, which will leave you paying $123 a year for a card with a 29.99% APR.

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10 Responses

  1. Default Gravatar
    coleenOctober 8, 2018

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

    • finder Customer Care
      nikkiangcoOctober 9, 2018Staff

      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.


  2. Default Gravatar
    KellySeptember 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?

    • finder Customer Care
      AnndySeptember 1, 2018Staff

      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.


  3. Default Gravatar
    KpJune 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.

    • finder Customer Care
      joelmarceloJune 30, 2018Staff

      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.


  4. Default Gravatar
    ChristopherJune 25, 2018

    1st question what happens if i go over $300 and after i pay my purchases off how long for i get another $300 credit limit

    • finder Customer Care
      nikkiangcoJune 25, 2018Staff

      Hi Cristopher!

      Thanks for reaching out to us.

      Regarding your first question, this would be shown in the terms and conditions of the card. Please know that we don’t stand as a representation to this card, we only provide general information.

      On to your 2nd question, after you’ve paid what you owe on the card, you can use the card again as you’re credit limit refreshes after every payment.

      Hope this helps.

      Many thanks,

  5. Default Gravatar
    TyraneeOctober 21, 2017

    What is the limit that can I load onto my Total Credit Card?

    • finder Customer Care
      RenchOctober 21, 2017Staff

      Hi Tyranee,

      Thanks for your inquiry. Please note that we are not affiliated with Total or any company we feature on our site and so we can only offer you general advice.

      The maximum credit limit for Total Visa Credit Card is $300. You can request an increase until you’ve had the card for six billing cycles.

      Hope this helps.


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