- 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)
Leave your vote!

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
Damaged Credit
No Credit / New to Credit
Starter Credit Card
Unsecured Card
Credit Needed:
Bad Credit OK*
Grace Period:
See Terms*
Late Payment Fee:
See Terms*

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):
See Terms

Other Fees

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


Most attractive:
- Instant online decision
- Bad credit accepted
- Reporting to Major Credit Bureaus
Least attractive:
- Program Fee
- 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 (Pets) is believed to be accurate at the time of evaluation (Nov 23, 2020). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.