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.
for the first year ($48 thereafter)
Purchase APR (fixed)
Recommended credit score
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.
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:
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.