- 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 Program 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:
APR Type:
Annual Fee:
See Terms*
Card Network:
Card Category:
Consumer (Regular)
Card Type:
Building Credit
Card for Bad Credit
Credit Needed:
Bad Credit OK*
Grace Period:
21 days*
Min Credit Line:
Late Payment Fee:
Up to $40*

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):
Cash Advance Fee (%):
Minimum Fee:

Other Fees

Additional Fees
Program Fee: $89.00 (one-time fee).
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* -
CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Review by

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 no reward program on this card. This credit card is issued by The Bank of Missouri 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
- Program Fee

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 (Mar 1, 2023). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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