2018 Total Visa® Credit Card Reviews

[current_year] Total Visa® Credit Card Reviews

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Brittney Mayer
By: Brittney Mayer
Updated: May 11, 2018
BadCredit.org's popular "How-To" series is for those who seek to improve, rebuild or better understand their subprime credit rating.

Obtaining a new credit card with poor credit is a bit like trying to find a meal after 2 a.m. — you usually have to settle for whatever you can find, regardless of its quality. And while you might normally turn up your nose at a drive-thru menu, it can hold a lot more appeal when it’s the only thing available.

When your credit score is so low that most banks don’t want to take on your risk, subprime cards, like the Total Visa® Credit Card, become the choice of necessity.

But just like 2 a.m. tacos aren’t fine dining, subprime credit cards aren’t prime rewards cards — and they don’t pretend to be. The Total Visa® card is marketed as a credit-builder for the subprime market, and that seems to be exactly what cardholders receive.

Our Take | Consumer Reviews | Additional Options

Our Take: An Attainable Credit-Building Option

Overall, the most appealing trait of the Total Visa® Credit Card for most potential cardholders is its accessibility. For those with poor credit, finding an unsecured credit card — one that doesn’t require a deposit to open — can be a challenge, but the Total Visa® is available to a wide range of credit types, including those with low scores.

As a Visa card, the Total Visa® can be used anywhere Visa is accepted (subject to available credit), and since Total Visa® reports to all three major credit bureaus, responsible use can help you build a positive credit history. Signing up for the card is remarkably easy, with the simple online form taking just a few minutes and responses available almost immediately in most cases.

  • Checking account required
  • 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
  • Click here for official site, terms, and details.


Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 Minutes See terms Yes 8.5/10

Of course, as a subprime card, the Total Visa® isn’t the cheapest card on the block, nor does it have the highest credit limits — but both are competitive with other, similar cards.

To start, all qualified Total Visa® cardholders will receive an initial $300 limit (subject to available credit), though credit limit increases can become available and won’t have an added fee.

So far as fees are concerned, you’ll need to pay the one-time $89 processing fee after approval to open your credit card account. Additionally, you’ll be charged the annual fee — $75 for the first year, $48 a year thereafter — as soon as you open your account, which will reduce your initial available credit.

Photo of Total Visa® Card Design Option

You can choose from six designs to personalize your Total Visa®.

While your annual fee drops after the first year, you’ll start being charged a monthly servicing fee that second year, which will mean a $6.25 charge on your bill each month.

You’ll also pay a $29-per-card fee for any additional cards you request, though there is no fee to choose one of the six available card designs to personalize your card.

Beyond the card and service fees, the Total Visa® also charges a fairly high APR, which can mean pretty costly interest fees if you carry a balance from month to month.

At the same time, the card’s APR is fairly consistent with other subprime products. And, unlike some of those products, the Total Visa® does offer a grace period during which you can pay off your full balance to avoid interest fees entirely.

All in all, the Total Visa® card isn’t the best credit card out there, but it certainly isn’t the worst, either. And if your credit score disqualifies you from a card with lower interest rates and fees — and you don’t want to go with a secured card — the Total Visa® seems to be a solid option to build your credit if you pay in full each month.

Consumer Opinion: Flexible Requirements, Low Credit Limits

Since the Total Visa® Credit Card is designed for the subprime market, it’s going to have its fair share of complaints. And, as you can likely guess, the majority of those complaints focus on the card’s high fees, high interest rates, and low credit limits — with a lot of emphasis on the latter, as well as the small credit limit increases typically offered.

I have had this card for over nine months and I have made every payment. In fact, for the last four months I have been running a balance of below $10 and paying it before the bill is sent. After all this time they approved me for a $50 increase. — CreditKarma.com Reviewer

The rest of the complaints center around the online payment system and customer service. Several reviewers had problems making online payments or with scheduled payments taking several days to process, sometimes resulting in late fees. Others report it taking a long time to get a customer service representative on the phone.

I wish I could give less than one star. This card is awful. When you submit a monthly payment by checking account number, it takes 14 days, or longer, for the funds to become available.

There is no online customer support, which is unheard of, and when you call the customer service number provided, the hold time is 30+ minutes each time. The interest rate is way too high and it’s just not worth it. Don’t waste your time or money on this card. — CreditKarma.com Reviewer

On the other hand, a good number of reviewers are happy with their Total Visa® Credit Card — and the credit-building results they’ve had with it. Many of these consumers had trouble obtaining a different card due to poor credit and have successfully used the Total Visa® to improve their credit and increase their scores.

I have had the total Visa card for 13 months now. I love it. The reality is, if your credit is shot to heck, you may not even qualify for a secured card, such as Capital One. I didn’t at first, because my credit score was in the 400’s due to extenuating circumstances seven years ago out of my control.

They raised my limit last month. I pay off the whole balance or I pay more than the minimum every month. My credit score shot up 250 points from just paying on time. But it’s down slightly because I applied for some more credit. I’m looking forward to it going back up eventually. Customer service is fine. — WalletHub Reviewer

Like the reviewer above, the consumers who seem to have the best results with the Total Visa® are those who understand what the card is supposed to be — and what it isn’t. The thing to understand is that high fees and interest rates are the cost of having poor credit unless you want to put up the deposit to open a secured credit card.

Additional Credit Card Options for Bad Credit

In general, if the Total Visa® is on your list of potential cards, it’s likely your credit is low enough that other unsecured subprime cards or secured credit cards will be your only real alternatives for open-loop revolving credit.

While the Total Visa® is relatively on par with the rest of the subprime credit cards available these days, you might find a better fit from another card. Our expert-rated picks are below.

  • Checking account required
  • Application response in 30 seconds
  • Know the score! Quarterly FICO score on your monthly billing statements
  • All credit types welcome to apply
  • Your First PREMIER Bank credit card activity is reported to the Consumer Reporting Agencies each month. Making your payment on time and keeping your balances low relative to the credit limit will result in positive marks on your credit report
  • Click here for official site, terms, and details.


Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
6 minutes See issuer website Yes 9.5/10
  • Easy application! Get a credit decision in seconds.
  • Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
  • Not an access card
  • Click here for official site, terms, and details.


Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
5 Minutes See issuer website Yes 9.0/10
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required
  • Click here for official site, terms, and details.


Overall Rating

Application Length Interest Rate Reports Monthly Reputation Score
9 Minutes See terms Yes 8.5/10

+See More Credit Cards for Bad Credit

The Path to Positive Payment History

Although the quick-service food available in the middle of the night is rarely the most appetizing fare, it’ll still get the job done — particularly if it’s all that’s available. Greasy food is better than nothing when your stomach is running on empty.

When your credit score is bottoming out, the options for new credit are slim pickings. So when you do find a card, like the Total Visa®, that may accept your high credit risk, you’ll need to expect that you won’t receive the most generous terms. The fees will be high and so will the APRs, and your credit limit will likely be less-than-impressive.

At the end of the day, however, those who are looking at subprime credit cards are likely doing so because they can’t qualify for anything better and don’t want to be bothered by a deposit. If you recognize — and accept — the intention of the card, the Total Visa® is a comparable, accessible unsecured credit card for rebuilding bad credit.