- 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
3.2 / 5.0 (9 votes)
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Information - Rates - Fees

Intro APR:
N/A*
Intro Period:
N/A*
APR:
34.99%*
APR Type:
fixed
Annual Fee:
See Terms*
Card Network:
Card Category:
Consumer (Regular)
Card Type:
Card for Bad Credit
Damaged Credit
No Credit / New to Credit
Pre-Qualification
Starter
Unsecured
Credit Needed:
Bad Credit OK*
Grace Period:
21 days*
Min Credit Line:
$300
Late Payment Fee:
Up to $40*

Balance Transfers

Balance Transfer:
No

Cash Advances

APR on Cash Advances (%):
34.99%

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 $40.00

See Terms* -

Features

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

Rewards & Benefits

Rewards:
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:
Yes!
Credit Reporting:
Yes

*The information provided for TOTAL Visa® Credit Card (Pets) is believed to be accurate at the time of evaluation (Apr 11, 2021). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.