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Total Visa® Unsecured Credit Card review

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


Annual fee

for the first year ($48 thereafter)


Purchase APR (fixed)


Recommended credit score


Product NameTotal Visa® Unsecured Credit Card
Annual fee$75 intro annual fee for the first year ($48 thereafter)
Purchase APR34.99% fixed
Balance transfer APRN/A
Cash advance rate34.99% fixed
Cash advance fee$10 or 3% of the cash advance amount, whichever is greater
Cash advance fee descriptionNo cash advances allowed for first year, then $10 or 3% of the amount of each cash advance, whichever is greater
Interest free periodUp to 21 days
Late payment feeUp to $40
Returned payment feeUp to $40
Additional cardholder fee$29
Rates & feesrates & fees

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards 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 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 without making a secured deposit. Unfortunately, the many associated fees and high APR can severely hinder your credit-building efforts and outweigh the benefits of the card.

What to watch out for

  • 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

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, you can build your credit and apply for a better card.

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 Recommended minimum credit score
CardMatch™ from
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Applied Bank® Unsecured Classic Visa® Card
29.99% fixed
$75 intro annual fee for the first year ($45 thereafter)
An unsecured credit card for building credit with reporting to the three major credit bureaus.
Surge Mastercard® Credit Card
You may be asked to make a deposit for a secured card
25.9% to 29.99% variable
$75 to $99
An unsecured credit-building card with a $0 fee on cash advances for the first 12 months, then 5% or $5. This is a rare offer among similar cards.
Reflex Mastercard® Credit Card
You may be asked to make a deposit for a secured card
25.9% to 29.99% variable
$75 to $99
Made for people with poor credit who want an unsecured credit card. It can help you build credit, but watch out for high fees and interest.
Petal 1
19.99% to 29.49% variable
A high-limit no-annual-fee credit card that's ideal for rebuilding scores as low as 550. See if you prequalify with no impact to your credit.

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

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  1. Default Gravatar
    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
      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.


  2. Default Gravatar
    December 8, 2018

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

    • Default Gravatar
      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.


  3. Default Gravatar
    October 8, 2018

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

    • Avatarfinder Customer Care
      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.


  4. Default Gravatar
    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
      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.


  5. Default Gravatar
    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
      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.


  6. Default Gravatar
    June 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

    • Avatarfinder Customer Care
      June 25, 2018

      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,

  7. Default Gravatar
    October 21, 2017

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

    • Avatarfinder Customer Care
      October 21, 2017

      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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