Unsecured? Yes, the Total Visa® doesn’t require a security deposit. This will certainly be considered as an advantage for someone who is not willing to make an upfront deposit in order to use a credit card. But it comes with a high Annual Percentage Rate (APR) and annual fee, so if you’re looking for a low-interest credit card, you should take a look at secured options.

Total Visa® offers a simple 1% cash back on all eligible purchases. This is not usual for credit cards designed for people with poor credit scores. You can have a taste of using a rewards credit card! But be aware of redemption thresholds and exclusions.

Late payments can be costly, with fees up to $35 and potential interest rate increases. Pay on time to avoid these charges. The best way to use a credit card is to treat it like a debit card. You can use it and pay your balance at the same time to avoid late fees and interest accumulation.

Total Visa® offers zero liability protection for unauthorized transactions and provides free credit monitoring powered by TransUnion®.