Credit Cards
Total Select Visa Card full review
Total Select Visa Card is a good option for all credit score types. After all, it's an option that accepts even the bad and poor level. Read on to learn more!
Advertisement
Note: Some information in this post might be outdated. For the most current documentation and updates, please refer to the product’s original page.
Total Select Visa Card: use on your favorite shopping websites with confidence

Looking for a new credit card to help you build credit? Then read our Total Select Visa Card review to fins out. Enjoy a initial limit of up to $300.
Keep reading our full article and learn what else this credit card offers. We’ve compared its main benefits, as well as its pros and cons. So let’s get started.
- Credit Score: Bad/Poor;
- Annual Fee: $75 in the 1st year, $48 annually after;
- Regular APR: 29.99% on purchases;
- Welcome bonus: No cash advance fee and monthly servicing fee in the first year. After that, terms apply;
- Rewards: None.
You will be redirected to another website
You’ll receive messages for less than 1 week, with a maximum of 1 message per day. You can unsubscribe anytime by replying STOP. By submitting this form, I confirm that I am 18+ years old and agree to the Privacy Policy and Terms and Conditions. I also provide my signature, giving express consent to receive informational messages via automated emails, SMS, MMS text messages, and other forms of communication. Message frequency may vary as part of our good-faith effort to respond to your inquiry. Message and data rates may apply. Text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and that I may revoke my consent at any time.
How does the Total Select Visa Card work?
The Total Select Visa Card featured in this review is a great choice for all credit score types. After all, it’s an option that accepts even the bad and poor levels and starts with a limit of $300.
This limit grows over time according to good use and up-to-date payment. In addition, you have an associated APR rate of 29.99%.
Total Select Visa Cardholders can also count on no monthly service fee or cash advance in the first year.
Additionally, you can use this card for various purposes, from making urgent purchases to small gifts. In this sense, good use is reported to the three main agencies in the country. Thus, the credit score improves over time.
Total Select Visa Card pros and cons

The Total Select Visa Card reviewed here can be a great choice for those who don’t have a favorable credit score. As a result, it can be an excellent way to establish or reestablish credit.
Total Select Visa can still offer great benefits for those with less-than-desirable credit scores and histories. Compare below the Total Select Visa’s pros and cons if you’re considering this option.
Pros
- All types of credit scores are accepted;
- Absence of monthly servicing fees and foreign transactions in the first year of use;
- Reporting to the main credit agencies;
- Online and fast approval;
- Free credit monitoring.
Cons
- Low initial limit;
- Relatively high APR;
- This card charges annual fee;
- Monthly and cash advance fees after the first year.
Does my credit score need to be good?
The Total Select Visa Card has several purposes and helps those who need it most. After all, regardless of your credit score, you can have access to this option. Therefore, this credit card accepts all credit score types.
Want to apply for the Total Select Visa Card?
Total Select Visa Card is a convenient option for those with less-than-stellar credit scores who want access to a credit card. With an initial limit of $300, it reports your payments to three major credit bureaus.
However, to access these benefits, knowing how to apply for them is essential. In this sense, the main way to apply is online. Check out the step-by-step that will help you get this card.
Apply online
Applying for a Total Select Visa Card requires a simple process that can be completed in just a few short steps. To apply, you must be at least 18 years of age.
Furthermore, you must have the legal capacity to contract financial services in your state of residence. Additionally, applicants must present a valid credit score and secured number as the application requirements.
After collecting these documents and filling out the application, it promises personalized service and professionalism, furthering its commitment to exceptional customer service.
To apply online, you must access Total Select’s official website and follow three main steps. First, you must fill in your personal details, such as name, email, and address.
In the second step, you must inform your financial data so that the company can verify your score. Lastly, if everything is right, you move on to the third step, in which you select your card design.
Apply using the app
The application for the Total Select Visa Card is made exclusively online. That is, you can apply through mobile devices. However, you must follow the same steps as the online application.
Nevertheless, cardholders can still enjoy a user-friendly mobile app. It is available t the Google Play and Apple stores. It allows customers to manage their accounts, make payments, and more.
Total Select Visa Card vs. First Access Visa® Card

This credit card is a democratic option because it allows access to all credit scores. However, you have a relatively high APR to take advantage of this option and other fees.
Still, this is not your only alternative. After all, you too can count on the First Access Visa® Card. This card also allows the application of low credit scores. Check out the comparison and choose the best option for you.
Total Select Visa Card
- Credit Score: Bad/Poor;
- Annual Fee: $75 in the 1st year, $48 annually after;
- Regular APR: 29.99%;
- Welcome bonus: No cash advance or monthly servicing fees in the first year. After that, read terms;
- Rewards: None.
First Access Visa® Card
- Credit Score: Bad/Fair Score;
- Annual Fee: $75 for the first year, $48 per year thereafter;
- Regular APR: 34.99%;
- Welcome bonus: No monthly fees for the first year;
- Rewards: N/A.
Are you interested in learning more about the First Access Visa® Card? Great! Keep reading and find out how to apply for this credit card and more!
How to apply for the the First Access Visa® Card!
The First Access Visa® Card is a good option for anyone who needs to build credit. Learn how to apply and be approved for this option!
Trending Topics
What Is an Unsecured Credit Card?
Explore the world of unsecured credit cards and learn "what is an unsecured credit card." Discover the flexibility, benefits, and drawbacks!
Keep Reading
700 credit score: is it good enough?
Wondering if a 700 credit score is good enough to get you the best interest rates and terms on loans? Find out now.
Keep Reading
SoFi Personal Loan review: is it worth it?
Learn more about the pros and cons of a Sofi personal loan and whether it's worth getting one. No hidden fees and fast funding. Read on.
Keep ReadingYou may also like
0% intro APR: Capital One Savor Rewards Card Review
Capital One Savor Rewards credit card has a $0 annual fee and up to 5% cash back. With so many benefits, it will surely enjoy it.
Keep Reading
Achieve Personal Loan (formerly FreedomPlus) review: is it worth it?
Read our Achieve Personal Loan review and learn more about this lender's services! Borrow up to $50,000 for multiple purposes!
Keep Reading
Types of personal loans: pros, cons and how to choose
Looking for a personal loan? Check out our guide to the different types of loans available, with pros and cons.
Keep Reading