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:
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Purchase Intro APR:
Purchase Regular APR:
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Balance Transfer Intro APR:
Balance Transfer Regular APR:

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
Card is for people with bad credit.
by XinteriX
Helpful to 48 out of 49

I don't quite understand why people are complaining about the initial fees being so high. This card is for people with bad credit, not people with average or good credit. What do you expect them to just take the risk? Part of the reason for the high fees is because of the high risk. If you are truely interested in repairing your credit report then this card is perfect. Yes it's expensive, and yes it's going to put out  by about 164.00 to get it. But for people with credit scores below 540, I would like for you to show me a single other bank that is willing to take the risk of giving you a credit card. Once the initial fees are paid this Card is just like any other card.

If you pay the statement balance each month you will never have pay any interest. If you set up autopay and pay statement balance there's absalutely no other costs.

If you don't pay the statement balance and chose to pay your minimum monthly payment of 37.00, your interest is not much different then other cards.

They report to the credit agencys which is what I got the card for. Basically I pay about 300 a month for 300 of credit. The 300 is money I would have used anyways, only difference is, it's in the form of credit and to whole point of it, it goes on my credit report which has helped my credit considerably.


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
This card is a stepping stone
by Tonyknows
Helpful to 46 out of 47

This card is a stepping stone out of the swamp of living in the world of bad credit. Cards like this, Milestone, Fingerhut can take you to the next step. Keep your utilization low and pay off your balances quickly. I had no problem making my payments online and received credit for my payments quickly. Sure the fee is steep for a short credit line, but personally I'd rather pay a $89 fee than tie up $300 in a secured credit card. After a short time I found myself with a Credit One Visa card. Still not a big time player, but quickly rewarded responsible use wit unsolicited credit line increases. Shortly after, 6 months or so, Capital One gave me the first of what is now 3 credit cards. These cards all came with credit lines of several thousand dollars. This whole process took place ove approximately 18 months. These low limit, high fee cards are the painful 1st steps to building /getting your credit built. Not the end game. Just think of this as a temporary stop on your credit journey.

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.

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† 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 January 2017 through June 2017. 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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