Total Visa® Credit Card review: Visa card for people with poor credit

Learn how to apply for the Total Visa® credit card and get your credit history restored. It is a good solution if you want to rebuild your credit or fix poor credit report errors.


by Suzana Brito

08/01/2022 | Updated on 03/21/2023

Total Visa® Credit Card: Get your credit score back on track

Total Visa® Credit Card
Learn all about the Total Visa® Card. Source: The Mad Capitalist

If you have poor credit, it can be hard to make ends meet every now and then. That’s where the Total Visa® Credit Card comes in. 

It was made for people with bad credit, so it’s perfect if you’re looking to rebuild your credit history. It is quite expensive, but you won’t need to pay for a secured deposit.

Total Visa® Credit Card

How to apply to Total Visa Credit Card

The Total Visa® Card targets your bad score. Start rebuilding credit. Get it right now with an online application. Check it out!

In this post, follow us to take a look at the Total Visa® Card. We’ll talk about its features and how it can benefit you. Keep reading to learn more!

  • Credit Score: Bad to fair
  • Annual Fee: See terms
  • Regular APR: See terms
  • Welcome bonus: N/A
  • Rewards: N/A

Total Visa® Credit Card: how does it work?

Check out the main features of this credit card. Source: Adobe Stock.

If your score is ruined, it can feel like you’re dragging down. But there are ways to turn it around.

The Total Visa® is an unsecured card to get you started with no secured deposit. 

The credit limit is $300, which is relatively high for a card of this type and may be raised after six months of good payment history.

However, you will have to pay a one-time program fee of $89 when you open the account. This is not an above-average amount, considering what similar cards charge.

The Total Visa® Credit Card is a card only made to rebuild credit. Consequently, that might not be one of the best options available. 

Another key point is it won’t offer any rewards or an initial signing bonus. 

Cardholders will have to work hard and be on time with payments to avoid higher fees. 

At last, there are great chances of approval for The Total Visa® Card, and the application is online. It also reports to the three major credit bureaus.

Also, Total Visa® is rated as the best solution for bad credit. There are more affordable ways to repair your credit score. 


Total Visa® Credit Card: should you get one?

Are you considering applying for a Total Visa® Card? If so, you’re likely weighing the pros and cons of this card. 

Here’s what you have to know about the pros and cons of the Total Visa® Credit Card.



  • Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion®
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus


  • No rewards
  • No signing up bonuses
  • High APR
  • Can’t use it outside of the US

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Credit scores required

If you’re interested in the Total Visa Credit Card, you don’t need excellent credit. 

In fact, fair or bad credit is just fine. So if you’ve been turned down for other credit cards, this one could be perfect for you. 

It’s simple and easy to apply, so why not give it a try?

Total Visa® Credit Card application: how to do it?

This card aims to rebuild credit score only. If you are looking for that, stick with us to see how you can apply for a Total Visa® Credit Card. 

Total Visa® Credit Card

How to apply to Total Visa Credit Card

The Total Visa® Card targets your bad score. Start rebuilding credit. Get it right now with an online application. Check it out!

About the author

Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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