Credit Cards
Total Visa® Credit Card Review: Earn 1% Cash Back!
Total Visa® Credit Card is the perfect solution for not-so-good credit! Earn cash back while making day-to-day purchases! Keep reading!
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Reestablish your credit score with the Total Visa® Credit Card!
If you are in the market for an unsecured credit card that will accept you even if your credit is poor, check our Total Visa® Credit Card review!
Total Visa® Credit Card: how to apply
If you have poor credit, check this article and learn how to apply for the Total Visa® Credit Card. Earn 1% cash back on purchases!
This card does not require applicants to place a refundable security deposit, but it comes with high associated fees. Check its features and benefits below!
| Credit Score | Bad/Fair credit. |
| Annual Fee | $75 for the first year and $48 for each year after that. |
| Purchase APR | 35.99%. |
| Cash Advance APR | 35.99%. |
| Welcome Bonus | No welcome bonus is offered. |
| Rewards | Earn 1% cash back on payments made to your card. |
Total Visa® Credit Card Overview
Total Visa® Credit Card is the perfect option for those who want to build or rebuild their credit scores!
Thus, it has an initial credit limit of $300 and offers an amazing reward program to help your earn while spending. Therefore, you can earn 1% cash back!
In addition, if you’ve had your account for at least a year, you may request an increase in your credit limit.
All this into a Visa Credit Card that provides wide acceptance and an exclusive package of Visa Benefits.
So if you’re looking for a rewarding experience, there you have it! So the Total Visa® Credit Card will help you make the most of your spending!
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Total Visa® Credit Card main features
If you have bad credit, making the right choices is crucial to improve your financial health.
Weighing the pros and cons of your next credit card is essential!
Although it is not easy to discuss these credit card benefits, we’ve listed their pros and cons below. Then compare to see if this is the best choice for you!
Pros
- Earn 1% cash back rewards on payments made to your Total Credit Card.
- Checking Account Required.
- $300 credit limit (subject to available credit).
- No security deposit, simply pay a one-time $95 program fee to open your account.*
- User friendly Mobile App.
- *See Rates, Fees, Costs & Limitations for complete offer details.
- See Total Card Visa Rewards Programs Terms & Conditions for details.
- Reports payments to all 3 major credit bureaus.
Cons
- It charges an annual fee.
- This card charges a one-time program fee of $95.
- High APR.
- It charges an annual fee.
- Late and return payment fees up to $41.
Minimum credit score to apply
TOTAL Visa® is a credit card that does not require excellent credit for acceptance, and anybody with a checking account may use it.
This means you can still be accepted even if you have a bad credit score!
How does the Total Visa® Credit Card compare to its rivals?
Indeed, rebuilding your credit requires time, patience, and discipline.
A good credit card can help you with the credit bureaus, but it’s on you to get your financial life on track.
Check out our next post and see how the Total Visa® Credit Card stacks up when compared to other options.
Total Visa® Credit Card: how to apply
If you have poor credit, check this article and learn how to apply for the Total Visa® Credit Card. Earn 1% cash back on purchases!
About the author / Giovanna Klein
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