Total Visa review | finder.com

Total Visa® Unsecured Credit Card review

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  • Conditional approval will typically happen within 1 business day after submitting your application. In many cases, you will have your funds within a week.
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An unsecured card for those with poor credit.

  • 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.
Product NameTotal Visa® Unsecured Credit Card
Annual fee$75
Purchase APR34.99% fixed
Balance transfer APRN/A
Cash advance rate34.99% fixed
Cash advance fee$5 or 5% of the cash advance amount, whichever is greater
Cash advance fee description$0 intro cash advance fee for first year, then $5 or 5% of the amount of each cash advance, whichever is greater
Interest free periodUp to 21 days
Late payment feeUp to $39
Returned payment feeUp to $39
Additional cardholder fee$29
Rates & feesrates & fees
Minimum Age18 years of age

The basics

The Total Visa® Unsecured Credit Card is for those who have suffered financial difficulties in the past and want to build their credit. Likelihood of approval is high and you get a Visa card accepted throughout the US. Just beware of the associated fees and high APR.

The perks

  • High likelihood of approval.
    The card is available to people with limited or poor credit.
  • 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.

You’ll also like

  • Intro period for cash advances.
    During your first year, you won’t pay any cash advance fee. After that, you’ll pay either $5 or 5% of the amount of each cash advance, whichever is greater. However, you’ll incur a cash advance APR.

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.
  • Annual fee.
    The card comes with a $75 intro annual fee for the first year and $48 after that.
  • Many fees.
    Aside from an annual fee, you’ll pay:

    • One-time program fee of $89
    • Monthly fee of $6.25 starting from the second year
    • Late payment fee and returned payment fee of up to $39
    • 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 cards for building credit

Name Product Filter values Purchase APR Annual fee Recommended minimum credit score
24.9% fixed
$0 to $99
580
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
26.96% variable
$0
580
A no-annual-fee card for average credit. Earn a higher credit line after five on-time payments.
24.9% fixed
$35 to $99
580
All the benefits of Mastercard Gold for those with less than perfect credit.
34.99% variable
$75 intro annual fee for the first year ($48 thereafter)
300
Build or rebuild your credit with this Visa credit card.
20.24% to 26.24% variable
$0 to $99
300
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.

Compare up to 4 providers

Bottom line

Consider the Total Visa Card if you’re struggling financially and looking for an unsecured card to build your credit. But beware of the many fees. If the fees seem too intimidating, check out other unsecured credit cards or secured credit cards for building credit and compare your options.

Frequently asked questions

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14 Responses

  1. Default Gravatar
    RickMarch 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
      CharisseMarch 5, 2019Staff

      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

  2. Default Gravatar
    ShannonDecember 8, 2018

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

    • Avatarfinder Customer Care
      AshDecember 12, 2018Staff

      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

  3. Default Gravatar
    coleenOctober 8, 2018

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

    • Avatarfinder 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.

      Regards,
      Nikki

  4. 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?

    • Avatarfinder 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.

      Cheers,
      Anndy

  5. 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.

    • Default Gravatar
      joelmarceloJune 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

  6. 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

    • Avatarfinder 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,
      Nikki

  7. Default Gravatar
    TyraneeOctober 21, 2017

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

    • Avatarfinder 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.

      Cheers,
      Rench

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