Total Visa® Credit Card

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  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Annual Fee:
See Terms*
Purchase Intro APR:
N/A
Purchase Regular APR:
See Terms*
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
N/A

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate See Terms*
Cash Advance Fee See Terms*
Late Fee See Terms*
Penalty APR See Terms*
Balance Transfer Fee N/A
Foreign Transaction Fee N/A
Return Payment Fee See Terms*

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
omni1977
Highly recommended!
by omni1977
Helpful to 20 out of 20

I applied for this card back in May 2015 and i was approved for a credit limit of $300. I will admit it has helped me allot. Yes, the interest rate is high, but if you use the credit limit wisely, and pay more than the minimum due amount on time or full amount due, you should be able to have a credit limit increase within 6 months. I don't know why people complain about so much? Remember if you want you're credit score to go up and stay up you must not use more than 30% of you're credit limit! If you do use your credit limit for large purchases and then only pay the minimum amount it will not help you to improve your credit score, much more graduate to a better credit status of Fair, Good and/or Execellent! 

The only issue that i had with the card was the first month, i had a temporary block because somehow they didn't have my full address information, but i called customer service and the issue was resolved in no time! I use the card mostly for gas and/or groceries and i don't usually keep a balance. I always pay on time and pay the balance off by the due date! I plan to appy for another credit card by next year, possibly Capital One, but I'm not in a hurry! So for now TOTAL Visa, is helping me and I highly recommend it! Thank you :) 

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
SKL111
Ok for rebuilding Credit.
by SKL111
Helpful to 104 out of 115

I am rating this bad overall for a few reasons.

1. They do not integrate with Mint.com or Credit Karma.

2. I just paid my card off, and their system blocked my card. They requested for me to have my bank send in a statement to their bank that the funds had cleared before they would unblock it.

I have quite a few credit cards and when I found out about #2 today when I called per the letter about my account being blocked. I cancelled the card.

I don't have time for Mid America Bank and Trust to not do their job and verify the funds cleared themselves since they are a bank. I almost died laughing when I was told it was restricted because I paid off my balance before I cancelled the card because of it.


Our Take

The Total VISA® Credit Card is a solid choice for consumers who may have poor or limited credit.

What to Like

As this card regularly reports to all three major credit bureaus, responsible credit use and on-time payments are recommended. This Total Visa® Credit Card is accepted online and by merchants nationwide, and consumers with limited credit histories may qualify.

Look Out For

Like many cards that are geared towards those with poor or limited credit, the Total VISA® Credit Card has fees to keep track of and relatively high interest rates. Paying off your balance in full each month can help you avoid any unnecessary interest charges, but you’ll still need to consider the one-time processing fee, annual fee, and monthly servicing fee starting in your second year.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2016 through November 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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