- Earn 1% cash back rewards on payments made to your Total Credit Card
- 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
3.2 / 5.0 (9 votes)
Leave your vote!

Information - Rates - Fees

Intro APR:
N/A*
Intro Period:
N/A*
APR:
35.99%*
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
Reward Card
Credit Needed:
Bad Credit OK*
Grace Period:
21 days*
Min Credit Line:
$300
Late Payment Fee:
Up to $41*

Balance Transfers

Balance Transfer:
No

Cash Advances

APR on Cash Advances (%):
35.99%
Cash Advance Fee (%):
3.00%
Minimum Fee:
$10.00

Other Fees

Additional Fees
Program Fee: $95.00
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.

Features

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

Rewards & Benefits

Reward Type:
Other Rewards
Reward Unit:
Cash
Rewards:
- 1% cash back rewards
Expiration:
None*
Yearly Limit:
None*
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® 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.

You may also be interested in: