- 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
3.5 / 5.0 (22 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
See Terms*
Annual Fee:
See Terms*
Card Network:
Card Category:
Consumer (Regular)
Card Type:
Card for Bad Credit
Instant Decision Card
Credit Needed:
Bad Credit OK*
Grace Period:
See Terms*
Late Payment Fee:

Balance Transfers

Balance Transfer:

Other Fees

Opening Minimum:
See Terms
Application Fee:
See Terms
ATM Fee:
See Terms
Additional Fees
  See Terms* -

Review by

The Total Visa credit card is a basic card for everyone wishing to build a solid credit history. Purchase APR is slightly high while that on cash advances is moderate. There is no balance transfer feature.

Online account management and round the clock customer service come at no extra cost. There is no reward program on this card. This credit card is issued by Mid America Bank &amnp; Trust and they report to all major credit bureaus.


Most attractive:
- Instant online decision
- Bad credit accepted
- Reporting to Major Credit Bureaus
Least attractive:
- Slightly high APR

Rewards & Benefits

There is no reward program for this card*
Other Benefits:
- Instant On-Line Decision
- Fraud Protection
- Outstanding Customer Service
- Free 24 Hour Online Account Access
- Reports to All Major Credit Bureaus
Online Access:
Credit Reporting:

The information provided for Total VISA® Credit Card is believed to be accurate at the time of evaluation (Jun 21, 2017). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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