Total Visa® Card full review

Getting a credit card without a good credit score can be tricky. Follow this Total Visa® Card review and find out how it can be useful for you.


by Sabrina Paes

Published on 10/10/2022

Total Visa® Card: no monthly fees for the first year

Total Visa Card
Read our Total Visa® Card review! Source: Total Card Visa®

Rebuilding credit and improving your credit score can be a difficult task. However, this Total Visa® Card review will show you how to use this credit option to improve your financial condition.

Total Visa® Card

Applying for the Total Visa® Card: learn how!

The Total Visa® Card is very beneficial for anyone who needs to rebuild credit. Want to find out how to apply? Check it out here.

This credit option is versatile and allows the application of those who have a bad or fair credit score. Also, it reports good use and helps you have extra money for your purchases. Want to know more? Keep reading!

  • Credit Score: Bad/Fair;
  • Annual Fee: $75 for the first year, then $48;
  • Regular APR: 34.99%;
  • Welcome bonus: N/A;
  • Rewards: This card does not offer a rewards program.


How does the Total Visa® Card work?

Pay for goods by credit card through a smartphone in a shop
See how you can use this card for your benefit! Source: Adobe Stock

The Total Visa® Card is a credit card option that can be requested even by those with a bad or fair credit score.

It has a low usage limit of up to $300 and reports to major credit bureaus, helping to improve your rating.

It has high associated monthly, annual, and APR fees to guarantee these services. There are no rewards or a welcome bonus, but it can help you improve your credit score, which is really good.

Total Visa® Card pros and cons

This Total Visa® Card review points out that the option is great for rebuilding credit. However, it has pros and cons, just like every credit card option.

With this option, you do not need a security deposit or a good credit score to apply. However, the associated fees for usage are high, and there is no possibility of a very high credit limit. Know more!



  • Allows application by people without a good credit score;
  • Issues good usage reports to the main agencies in the country: Equifax, Experian, and TransUnion.


  • High fees such as annual, program, monthly additional card maintenance, and credit limit;
  • It does not allow a high credit limit;
  • It has associated with high APR;
  • There are no associated benefits and no introductory bonuses.

Does my credit score need to be good?

As you can see in this Total Visa® Card review, you don’t need a good credit score. The application can be made by any American citizen over 18 years old and with a fair or bad credit score.

In this sense, it is necessary to have a minimum FICO score of 300. However, it is worth mentioning that the associated APR rate is high given the low credit score, which generates distrust of creditors.

Want to apply for the Total Visa® Card?

The Total Visa® Card review allows the application of any citizen with a credit score above 300. However, to increase the chances of approval, it is essential to know how to apply.

Want to understand how the application works? Then check out the tips we separate in this post to help you apply for this credit card option.

Total Visa® Card

Applying for the Total Visa® Card: learn how!

The Total Visa® Card is very beneficial for anyone who needs to rebuild credit. Want to find out how to apply? Check it out here.

About the author

Sabrina Paes

Content Writer, Copywriter, and Ghostwriter. Content marketing professional with 5 years of experience. Specialist in investment, finance, and technology niche. MBA in Marketing at the University of São Paulo, Brazil. Content Writer by Rock Content, and University of California (UCDAVIS).

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