- 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
Information - Rates - Fees
Card for Bad Credit
Annual Fee: $75.00 for the first year. After that, $48.00 annually
Monthly Servicing Fee: None for the first year (introductory). After that, $75.00 annually ($6.25 per month)
Returned Payment Fee: Up to $41.00
See Terms* -
Review by CreditCardsLab
The Total Visa credit card has slightly high Purchase APR 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 a 1% cash-back reward on payments made to your Total Credit Card. This credit card is issued by The Bank of Missouri and they report to all major credit bureaus.
- Bad credit accepted
- Reporting to Major Credit Bureaus
- Program Fee
Rewards & Benefits
- Fraud Protection
- Outstanding Customer Service
- Free 24 Hour Online Account Access
- Reports to All Major Credit Bureaus
*The information provided for TOTAL Visa® Credit Card is believed to be accurate at the time of evaluation (Aug 24, 2023). We strongly advise visitors to review the fees, terms and conditions provided to verify accuracy of the information posted prior to applying for the product.