Card Review & Application


out of 5

- 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

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 35.99% (fixed)*
Annual Fee: See Terms*
Card Issuer: Bank of Missouri
Card Network: VISA®
Card Category: Consumer (Regular)
Card Type: - Building Credit
- Card for Bad Credit
- Pre-Qualification
- Starter
- Unsecured
- Reward Card
Credit Needed: Bad Credit OK*

The Total Visa Card is designed for consumers with bad credit who want something that would give them an opportunity to make purchases from time to time. Credit limits given are not very high, but are still highly encouraging for students, young adults, or other persons with "less than perfect" credit. Furthermore, the card issuers report monthly to all major credit bureaus.

An introductory APR period applied towards purchase, balance transfers and cash advances do not exist. Members start to incur purchase APR right from a first purchase. Purchase interest is fixed and slightly high. Cash advances incur a fee and APR incurred is moderate. Members are not allowed to transfer balance from higher interest or any other prior owned credit cards.

An annual fee is charged. New card members incur an account set up fee. Online applicants receive an instant decision within minutes. The card issuers report to all major credit bureaus.

Online account management comes at no extra cost. Using secure encrypted connections, card members can check and be up to date on card details without the need to wait for hard copy statements. Paperless statements list out card expenses, credit balance, bills, charges, cash advances and other related transactions. These statements are available from time to time. Zero fraud liability applies to those card members who fall victim to internet fraud, and unauthorized transactions.

There is a 1% cash back rewards on payments made to your Total Credit Card.

There are options to pay outstanding credit balance over time or in full. Members are made privy to a long grace period before a late payment fee becomes applicable.

Round the clock customer service is made available to card members for most efficient handling of queries and feedback.

In summary, the Total Visa® card is a basic credit card which doesn't come with extra benefits, a rewards program, or most other features on premium or platinum consumer credit cards. However, it is a good option for individuals with bad credit.

This credit card is issued by The Bank of Missouri. Applicants are advised to see applicable terms and conditions or card agreement before applying.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

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
Credit Reporting: Yes
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 35.99% (fixed)*
Annual Fee: See Terms*
Grace Period: 21 days*
Min Credit Line: $300
Late Payment Fee: Up to $41*
Balance Transfer: No
APR Cash Advances: 35.99%
Cash Advance Fee: 3.00%
Minimum Fee: $10.00
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* -
Apply Now

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* 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 terms and conditions provided to verify accuracy of the information and fees posted prior to applying for the product.

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